> this is only because I will be locked out of access to certain essential financial products as the result of having no credit history. Pretty much every bank

> this is only because I will be locked out of access to certain essential financial products as the result of having no credit history. Pretty much every bank offers a credit card with a 1% cash-back rewards rate and their underwriters are more generous to their customers with no credit history to help address this exact problem. Get one, use for like 6 months and build up a credit history then go get an AmEx or whatever