Credit card. good or bad idea?

me and my boyfriend are currently living with a helpfull friend due to poor roommates that we had before. would it be a bad idea to get a credit card with 1,000 limit and use it towards our own apartment and furniture? we are members of a credit union. would it be a bad idea? my boyfriend also get $99,000.00 when he turns 25 due to things that has happen to him during his childhood. so if we couldn't pay it would we be able to wait till he turns 25 in 3 years? what are the pros and cons? is it a good idea? i understand that well have to pay back more then what we used but we would rather have to pay more and have our own home then to share a home with others.