Credit is good if you want to purchase a home in the future. Unfortunately in America you either have to resolve to paying everything in cash (which can be hard for large purchases such as a house) or build your credit. The problem is spending outside of your ability to pay. Never be irresponsible with credit cards.

You’re not wrong. I did this at the same time I called because I had a late payment. Double life tip!

No, but I did just call because I had this exact scenario just happen and the rep told me about it. So I thought I would share in case someone else was in this position