Yep, same. I got a Discover card when I went off to my first internship at 19. I kept that card, and only that card, until I was about 27, when I finally added

Yep, same. I got a Discover card when I went off to my first internship at 19. I kept that card, and only that card, until I was about 27, when I finally added a Visa for Southwest points. Paying off every single bill on-time and in full (except for one month when I'd just moved cross-country and hadn't got my first paycheck yet) meant that I received nothing but benefits from the credit card, and ended up with a credit score over 800 when I finally decided to buy a house this year. As a student, the Discover card was great because there were no yearly fees (what student wants to spend $100/year on that?) and it gave 1% cash-back, which was a nice little bonus a couple times a year that I could apply directly to the current bill. I know quite a few people who refuse to get a credit card, because they apparently think they'll just be unable to control themselves and rack up $10,000 in debt the first month. I guess the voices in their heads tell them to spend. They tend to be a little surprised when they try to get a home loan and realize that, sans credit history, they have no chance.