When I was younger, I avoided getting a credit card. I kept seeing all of these commercials asking if I had $10,000 of credit card debt or more. Scared the bejeebuz out of me. I couldn't imagine having that much debt, and I wasn't about to start spending money I didn't have.
It wasn't until later that I found out that having and using a credit card is an excellent way [if not essential] to build credit. As long as you use it responsibly. So, I bit the bullet and got one. I use it for small purchases which I know I can cover and I pay it off every month.
I now have an excellent credit rating. Of course, it helps that I also pay all my other bills on time, too.
On a [perhaps] unrelated note: I've also had the same bank account for 31 years - although with four different banks. They just keep buying each other.
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