Credit isn't all about credit cards. Regardless of how a few people feel, some of us may want to buy a bigger house, buy a 2nd home, buy property, etc in the future and a high credit score can make that way easier and cheaper. Not to mention credit score affects things besides borrowing money. When I was shopping for boat insurance last year a LOT of companies took credit score into account. Not sure I understand the logic of that or agree with it but thats the way it is. To say you'll never need credit in your lifetime is pretty naieve IMO.
