ftfy
that's not how it works. first of all if you never own a credit card you will have no credit history and you will have a hard time getting even remotely decent interest rates on more important loans like house and car. I would actually suggest getting one as soon as you can, using it regularly, and
always paying it in full on time. you build positive credit history and don't have to pay interest. use it like you would otherwise use your debit card, and pretend like the money had actually been taken from your checking account
