A credit card is an awesome thing to have. I pay mine off in full every month (or quicker, if I can) and I know it's quite easy to be sensible with it if you're sensible with money already so I don't know why people panic so much about it. You, from what I can tell, are very sensible with money so there'll be no problems. Plus, so many things - like travel - are easier with a credit card!
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Enjoy being an adult, hun! <3
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(& know what you're doing, so I shan't give you my credit cards, careful now! words of wisdom XD)
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<-- huge fan of the plastic
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AMEX is really backwards. They don't have a chip OR the option to pin. Weirdos.
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