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For example, if someone steals your credit card and goes on a shopping spree, you can contest the charges and not have to pay them.

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But until the system changes, we all have to work within it, and the way for you to master the system is by getting good credit.

The best way to establish good credit—and, sometimes, to get cash back or travel rewards—is to use credit cards.

"They're not going to tell you any of the questionable stuff on the [signup] website," she says.

"You have to dig for stuff." Before you get the card, click around until you find the terms and conditions page. And after you get your card, read the full disclosure statement, not just the box with the fees and interest rates.

Credit bureaus look at your "utilization," meaning how much you spend relative to your credit limit.

So if you spend 0 a month, it's better to spend that across three cards with a 00 limit each rather than spend it all on just one card, because it's all about the ratio of debt to credit.

And it's that cut that sometimes ends up coming back to you in the form of cash back.

So don't go spending lots of money thinking you're getting a cash-back reward for it on your card.

On top of that, credit cards offer features like travel insurance, rental car coverage, and theft and loss insurance, so if you buy Christmas presents and they get stolen, you're covered.

If you're brand new to the job market and have no credit score whatsoever, you have two options.

According to recent data from financial website Magnify Money, 195 million Americans use credit cards, with an average of 2.3 per person.

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