I'm thinking of getting a credit card -is it worth it? I'm 22, in the UK and thinking about getting a credit card -I don't feel I need one (not a big or enthusiastic spender) apart from establishing a credit rating -is it worth it? I understand the benefits -insurance, cash-back etc but it seems like a hassle -I'm perfectly happy just spending money that I have using my debit card. However, as credit scores are partly based on duration of credit history I'm thinking I should get a credit card if only to prove to future mortgage providers (perhaps 3 or so years in the future) that I'm responsible with credit etc.

Should I get a second job, and should I work retail? Suggestions as to where? I have a full-time job now with benefits, I work basically 10 - 6:30, but this is an expensive city (DC) and I'm having a hard time saving money. Since I'm in the web development field, a natural fit would be freelance on content-migration projects. But I've done that and it depresses me to go home and sit in front of a computer alone slogging away at code, after I've just spent 8 hours sitting in front of a computer. What should I do? So, retail? I've never waited tables and don't want to do that. Any retail places you'd recommend to work? Or is there something else part-time that makes sense to look for as a second job, which would get me out of the house, offer evening or weekend hours (I could also do a really early shift ending at or before 10)? I am really good at juggling a lot of small tasks at once and keeping track of all the details..