If you do not have at least two cards here, you do not understand how the domestic credit bureaus work. It is a major factor in determining your credit-worthine

If you do not have at least two cards here, you do not understand how the domestic credit bureaus work. It is a major factor in determining your credit-worthiness for everything else you do. In countries with higher levels of home ownership and expensive education, it matters a lot, and it is not necessarily all about using them for consumption.