Encourages impulsive purchasing behavior
Credit cards can be a blindfully-awful thing when in the hands of someone with bad self-control. They enable holders to *conveniently* and impulsively shop online, purchasing things they don't need or have the money for. The cardholder may say that they will come up with the money by the end of the month, but that doesn't always happen. Things such as emergencies pop up, and if they're using their "emergency funds" to pay off the credit card, they'll eventually be out of savings, and it turns into a vicious cycle. Over time, this can lead to another big problem: a credit balance.
Carrying a credit balance will cause you to be charged interest, and overtime, that will likely cause you to come out with a net loss. Currently the average interest rate in the United States stands at around 17%, and store credit cards such as Victoria's Secret only go up in interest. When your interest rates start to take off, it can makes things more difficult for paying off. You start paying in money that you never really spent in the first place - how annoying!
Obviously, owning a credit card comes with a large responsibility. You are opened up to two new risks: fraudulent charges and late payments. You would want to regularly check your statement to ensure not missing a due date, and you would want to make it habit of carefully scanning your purchases and keeping an eye out for fraud charges. Holders who don't stay on top of their bills will struggle on both fronts.
I know not everyone thinks the way I do, and some people will completely disagree with me on this post - that's fine. But, these are things to consider before opening up a credit card for yourself. Be honest with yourself: would it truly be a good idea to add this plastic as a means of payment to your life? Do you know for sure that you can trust yourself to only purchases necessities and pay them off monthly? Some people will open a credit card purely for the sake of raising their credit scores, using their credit card only on gas or groceries - something they KNOW they can pay off. It's a good idea, sure, but the factors listed above still exist. I think it's better to purchase only the items you have the money for and avoid the debt all together. Save your money, spending less on the smaller everyday things such as coffee trips, mid-day snacks, and aimless driving. Take part in more free activities and find entertainment in such things. We all live different lives and see through different perspectives. Ultimately it's up to you and only you can know if it's truly a good idea.