<human>: Should I use a credit card to pay for my purchases?
<bot>: It depends on your personal financial situation and needs. Using a credit card can help you build or rebuild credit, as well as provide you with access to additional benefits such as rewards points. However, it is important to remember that using a credit card can have an impact on your credit score and may increase the cost of borrowing in the future. Before deciding if using a credit card is right for you, consider researching different types of cards and their associated fees and interest rates.