Is it worth it to get a credit card?

Years ago I paid off my credit cards because I didnt like making monthly payments and I hate owning people. At the moment I have nothing but debit cards. no car yet, not too many bill's and I'm even questioning why my credit score is soo low. Maybe I have some kind of debt that I cant remember, I dont know.... show more Years ago I paid off my credit cards because I didnt like making monthly payments and I hate owning people. At the moment I have nothing but debit cards. no car yet, not too many bill's and I'm even questioning why my credit score is soo low. Maybe I have some kind of debt that I cant remember, I dont know. Is it really worth it? If yes, then what's a good bank to get one from?
7 answers 7