I'm a uni student with both a credit and a debit card - Mostly for cash flow purposes. I happen to get paid fortnightly by both of my income sources so in the middle of the off week, sometimes I use Credit to let me keep money in savings and then pay off the card on my next pay cycle. I also use it for big purchases with the same logic. Essentially, I can put more in savings (I have one of those accounts with the bonus interest rate for no withdrawals) because I have the Credit Card as a buffer
However, the gain from that practice is fairly minimal for most people, and it introduces the risk of being charged interest. I pay my credit card off, in full, without fail, and I never put myself in a position where that isn't possible. The bank asks me if I want to raise my limit all the time (in fact, when I applied for the card I was approved for an
astronomically large limit that was just insane to offer a uni student with no credit history), that's how they get you. They
want you to spend more than you have and not be able to pay it off in full every month - Then the huge interest rate kicks in and they win
I think credit cards are a valuable financial tool if you know what you are doing with them, but are also a huge financial risk if you are even slightly bad with your finances. Lots of (most?) teenagers and young adults
shouldn't have them, from what I've seen
but you do you! If you do get one, get a really low limit and
always pay off in full each month