No by all means get a credit card, but until the scum banks and the scum credit agencies differentiate between purchases and balances don't use it. My credit score is 797. Using the hypothetical tool on Chase's website if I purchase 5000 in the month my score goes down 50 points. Since I pay my bill at the end of the month, why charge, just pay. When the banks want the 2.5% on purchases from me, they can do it my way. Probably won't happen if it's only me. When all of you stop being sheep, it will happen
