I'm thinking of getting a credit card...
because just this morning my father disturbed my sleep by calling me about charges he did not know about.
"I was charged $150 and 90$ for this McAffee. What did you do?"

Somebody is a noob and accidentally clicked some update purchases, I'm assuming. Okay I know all his credit card details but I only used it for travel, and every time I bought a ticket I would inform him.
I certainly don't have McAffee on my system (no way). So I told him he must have done some clicking somewhere.
Anyway, that's my reason for getting my own card... but then I have to weigh it if I would actually use it- since, like I said, I only need it for travel. And given my type of work I don't travel much.