re: Should I get a credit card?

OP is young...how does he even know whether he has fiscal discipline at this point? Gotta find out some time.

I am constantly amazed at the anti-credit folks on this board. This is such a small-minded perspective. How on earth can anyone build a business, buy real estate, or rapidly expand an existing business without credit? So do the Ramsey-ites not understand leverage?

Some of the advice dispensed here is from wage-workers who will never be anything other than someone's employee. That's fine, but one should not assume that every person is doomed to be a financially irresponsible wretch who lives from paycheck to paycheck.