I just college and work full time. I have a debit card and build good credit for the disbursement of loans. Many people have told me to get a credit card, but I wonder whether it is really necessary. Please give me some good reasons for a different credit card to get the good credit build. The only advantage I know of is point-system/rewards on credit cards, earned the miles or more. And what is the best credit card for a credit card holder for the first time? The number of options are a little overwhelming. As you have your first credit card?