Share your insights or perspective on the financial matter presented in the input.

Should I open a credit card when I turn 18 just to start a credit score?
Yes, it is a very good idea to start your credit history early.  It sounds like you have a good understanding of the appropriate use of credit, as a substitute for cash rather than a supplement to income.  As long as you keep your expenses under control and pay off your card each month, I see no problems with the idea. Try to find a card with no annual fees, a low interest rate if possible (which will be difficult at your age), and with some form of rewards such as cash back.  Look for a reputable issuing bank, and keep the account open even after you get a new card down the road.  Your credit score is positively correlated with having an account open for a long time, having a good credit usage to credit limit ratio, and having accounts in good standing and paid on time.