I used to think that, until I went to buy my first house and had no credit. Not bad credit, just no credit. I couldn’t get a mortgage, even though the payment w

I used to think that, until I went to buy my first house and had no credit. Not bad credit, just no credit. I couldn’t get a mortgage, even though the payment would have been half what I was paying in rent, because I was financially responsible and had never needed a credit card. Now I use a credit card as my default way to pay, and never carry a balance. I get travel rewards, and have an 800+ credit score. It’s a frustrating game we have to play in our current system.