Adulting 101: Why You NEED a Credit Card in Your 20s Hey guys! I’m 23, and I’ve started building my credit limit—and let me tell you, getting a credit card early is one of the smartest money moves you can make. ✅ Why? • It helps build your credit score (super useful for future needs & big purchases). • You get rewards, cashback, and perks while spending on things you already buy. • No need to carry cash—just swipe and go!