People always told me growing up that I should get a credit card, to start building credit for when I eventually wanted to buy a house. I didn't bother, because

People always told me growing up that I should get a credit card, to start building credit for when I eventually wanted to buy a house. I didn't bother, because buying things on credit always seemed sill to me. Come time to buy a house and those people were still all "oh boy, you're going to have a hard time!", but you know what? Having no credit history wasn't a problem at all. I had to arrange for bank representatives to talk to some bill collectors and authorize them to talk about my payment history, that's it. Sure, maybe I didn't get the best rate in the world, but it was a pretty fair one. I feel like stories like this are intentionally played up for the benefit of the credit industry.