Should I get a Credit Card?

Excerpt of a conversation with my brother:


Brother: I want to get a credit card. I am going for X as the ATMs and branches for Y are too far off. Additionally X offers better points system

Me: Why does ATM location matter for credit card?

Brother: Hmm… pay bills?

Me: You can pay by direct debit..

Brother: But, don’t I need to have an account in the same bank for that?

Me: No…<goes on to explain>

Brother: Ok, ok…so should I get a credit card?

Me: I thought you already decided to get one?

Brother: Yes, but I need a “Yes” from you!

Love you little bro J