Millennials are different. Jeans that are thinner than other generations? may. Credit card users? May not. According to the bank interest rate survey, about two-thirds of the millennials did not have one. This makes the crowd with "good money" scream. They know how to use a credit card. For example, how to avoid debt and annoying late fees. You should also.

One - only buy what you can afford. Then pay in full and on time. By the way, you treat your plastic as real money. Not a brain surgery, but it may not be that simple (quick insertion - until a debit!).

So here are the top 10 reasons why millennials should put credit cards in their jeans pockets:

1. Cash back and rewards

Multiply the money you spent by 2%. This is the amount of cash you throw away with a debit card instead of a credit card. Plus that debit card, you will receive zero rewards. Zilch. No free flights, hotel rooms, gift cards, Amazon credit cards, absolutely no cool stuff. Borrow 0, lend 1.

2. Establish credit

Credit ratings are required for mortgages, lease agreements, and car rentals. If you are a member of 56% of consumers in the US, have a subprime credit score or a limited credit history, good luck. You may have to pay an extra tens of thousands of dollars. When you only need to use your credit card responsibly and pay your bills to improve your credit, everything is very stupid. Read our blog series to find out your credit score and see how your FICO score is calculated. Would you rather see a bachelor? The action is not good. Building your credit is more important (but undeniably, it is not worth it). It takes time, so take a step back from the remote and start now.

3. Better security

Did the debit card be stolen or stolen? Most likely, this is a farewell to your dinner. If you don't report it right away, your bank may not help you. Also, you cannot use your funds until the bank corrects them. Not a credit card. Your bank should provide insurance for you.

4. Extended warranty

Does your MacBook have a one-year warranty? If you buy with a credit card, it may take two years. Many credit card companies extend the manufacturer's warranty for one year—a little-known and underutilized benefit of credit cards.

5. Purchase protection

Similarly, if the item you purchased with this card is lost or stolen within 90 days, you may be compensated. When a new laptop was stolen from my door, it saved my bacon. Or, if you want to think again about the cashmere dog sweater that you bought impulsively, but the store won't take it back? Many credit cards offer return protection. Even the dog's indulgence.

6. Hold on your account, don't tie your money together

Most gas stations, hotels and car rental companies hold your account for longer than you buy. If you use a debit card, these are funds that you can't use until you freeze it. Usually it is a few days.

7. Car rental protection

If you pay for the rent with a credit card, the expensive collision insurance car rental company may have provided you with insurance for free.

8. Stroke protection

Many credit cards can also provide protection if you have to cancel travel, lost or delayed luggage, flight delays or cancellations, even if it is due to weather conditions, the airline will not reimburse you. You can even get a free emergency roadside car rescue. debit card? I'm afraid not.

9. Price protection

See the new TV you bought at a lower price elsewhere? Your credit card can be reimbursed for the difference.

10. Exclusive invitations and offers

Your card can offer other benefits, including pre-sales of concert tickets, special discounts and offers, or exclusive offers for cardholders only. In addition, many travel cards offer additional benefits, such as the elite status of a hotel chain or the airline's early boarding privileges.

Every credit card is different. Make sure you check the terms and conditions (boring but valuable) and find one that is good for you. Try to avoid using annual fees (unless you plan to make full use of other benefits).