There are no long term studies of the efficacy and safety of creatine. Furthermore, the FDA does not regulate creatine. You have no way of knowing if what you get is pure creatine, or bleached dog sh*t.
Since creatine sucks H2O into the muscle cells, proper hydration is paramount. Many of the incidents in the literature are related to failure to drink enough fluids and combining creatine with ephedrine, ma huang, and other stimulants in excessive amounts. Body builders, wrestlers, and football players are the biggest abusers. Often they will ingest 4 to 8 times the recommended dosage, which itself is suspect. (There is no known safe dosage.)
The incidents cited by FettsBabe may or may not actually be related to creatine. Often no certain diagnosis can be made because the athlete will usually not tell the doctor the truth. "Uh, no doc, I didn't take any steroids, or ma haung, just that creatine," when in fact the guy has a 55 inch chest, 20 inch arms, and is 5' 6" tall. Jocks will do almost anything to be stronger, faster, or look better. Stacks, like ephedrine, caffeine, and creatine, for instance, are very popular. They all dehydrate you. I know a lot of swimmers and quite a few of them take creatine, but quite a few of them end up with bad cramps towards the end of workouts because they forget to hydrate. Nice way to blow out a kidney, or have a stroke or heart attack.
If you want to be fit, do situps, pushups, pullups, and run 30 minutes a day. Get to the weights when you can. Join an intramural soccer team, or some similar sport. Focusing on HOW you look is a big mistake, in my not so humble opinion. Focus on how well your body WORKS. Adding creatine to your diet MIGHT make you stronger and buffer, but so what? It MIGHT also make you very sick. Why take the chance? Unless you are a competitive athlete who is heavily focused on winning at almost any cost, why bother?
As an anecdotal aside, my son who is 6'5" tall and about 250 lbs took creatine while lifting weights for about a year. He was and still is pretty strong, but he got awefully strong two years ago. Buoyed by his buff bod he decided to take on a competitive body builder who is about 300 lbs. in an arm wrestling match. He had almost pinned the guy's arm when his arm snapped, giving him a spiral break of the radius. Very painful and expensive to fix. He now has a steel plate in his right arm. Fortunately, he's left handed. Unfortunately, he may not pass the Marine Corps Flight School physical because of it. All because he over did it.
If you decide to take creatine, do it after you've lifted and stopped making gains. Then take small amounts and not with any stimulants. You'll make a few more gains and should be happy with your "look". German creatine is the best. Write to the companies and ask for their assay sheets. The German stuff is very good because the Germans take a lot of pride in producing safe products and they would really get their corporate hides nailed if the product were defective. You'll pay more for German creatine, but it's worth it. (I buy German wine for the same reason.) Some of the Chinese and American stuff is very unreliable. By the way, my information is about 1 year old, so you might want to do a web search to find out what today's creatine issues are.
Anyway, most girls don't like the "froggy" look in men. Having a great sense of humor and a brain will do more for your love life. Just my farthing's worth.