I avoided credit cards like the plague until I turned 30 something. My partner coaxed me into getting my first one just to build my credit up, which I'm actually super glad for because my neolib credit score was so low I couldn't even get a loan for a used trash car. I have 1 rule for my credit card and it is "the bill must be paid in full every month, no exceptions" and I have never bent that rule even once. Now my neolib score varies between excellent and very good boy depending on how much i use the card on any given month.