do you need a credit card? welcome to join this discussion

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do you need a credit card? i want o own a credit signed as visa once i applied one on campus but i did not get it after my graduatioion during theperiod of booking olympic tickets i need a credit card in emergency i applied one afin but to my surpsieow i am jsut wating for october then iacan apply again under the conditions i thinka credit is vvery necessary for instance when i live in shcool senior high school i use my bank card for everything melas need it goods ned ot so you can see how imporyant it is in my study life just imagining the life without a creti card there is so many conditions to get one from igbc evne though it takes tiem i still eant to be a customer of igbc and get a credit there n