Because credit cards are free if you pay them off. And you get benefits which, my friend, are also free. - Miles/Cashback. - Free international travelers insu

Because credit cards are free if you pay them off. And you get benefits which, my friend, are also free. - Miles/Cashback. - Free international travelers insurance. - Free car insurance. - Free 1 year warranty on most electronic goods above a maximum 1 year warranty from the manufacturer effectively doubling your warranty. - Concierge if you have a really good score. - Discounts on car rental. - Free access to airport lounges (high credit score + relatively frequent flying). - Purchase price protection: If you bought an item recently and someone else is selling it for cheaper, get your invoice + ad together and get a refund for the difference (up to a limit). (not an exhaustive list) There is no need to be in debt to have a good credit score. Also, the higher your credit score the less interest you have to pay if you ever decide to get into debt (house/student/car). TL;DR Having credit available doesn't mean you have to use it and it comes with a lot of free perks.