Credit Card temptaion

At 21 years old I have yet to get a credit card. I just don't trust myself with them. Everytime I buy something at Old Navy, Gap/BabyGap, Target, and The Children's Place (which happens really really frequently lol) they ask if I want to open a charge card with them, and I always think about it for much longer than I should before finally chickening out and saying no. I just don't trust myself. Several of my friends are my age and already in debt due to credit cards. I have always been good at saving my money, I have always had enough money to pay cash for what I wanted, I have school loans that are paid on monthly so that my credit is being established and in good standing, and I never needed a credit card. Now that I have a two year old, and gas prices are sky rocketing, and I am in school full time (which means I am working less hours) I am feeling the crunch just a bit. The temptation to get a credit card is getting harder and harder to resist lol. I want to order Nico's winter coat, but I need to wait until payday. If I had a Gap card I could get it right now and just pay for it on payday. Then again, I really don't need it RIGHT NOW! And, better yet, if I went to Wal-Mart right now I could get a coat that I can actually afford right now, but I want the Gap one. Perhaps I don't need a credit card as much as I need some sense knocked into me re: my toddler clothing obsession (which rivals my naming obsession on the sick/sad/weird scale lol).

Forgive me, I was just thinking out loud (is it still "out loud" if it is actually typed lol).