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I refuse participate in credit. I've never checked my credit score, I have never been in debt to a corporation. All of my debt as been to individuals.
Whenever I talk to other about this to other people they just keep pushing the idea that I should know my credit score "just in case" (despite the fact I own my home already, bought it on owner finance) and then go on a speech about how I should get a credit card and and use it and pay it off every month to build my credit slowly over time.
I 100% understand that my individual situation, having bought a car by paying it over a few months, and buying a house on owner finance directly from an individual, aren't solutions that just anyone can use and it requires a great deal of luck, which is not the point of my comment. My point is that so many people think credit debt is actually necessary, that it's required. They keep trying to sell me on the idea, but I just don't see it. I don't want to be in debt for 30 years to buy another home, I have 0 fucking interest in that. And yet, I've had at least 10 instances where someone tries to sell me on the idea of credit like its a DARE style anti Marijuana video from 2005.
I mean, no fucking wonder houses cost so much (and by extension, rent). It's not the fault of those in debt, it's the fault of the system who convinced them they NEEEED to be in debt.
It's still worth using cards for the rewards points. I just set mine to auto pay and enjoy having everything I buy 3-5% cheaper, plus way better purchase protection and customer service. I've never paid a cent in interest or accrued any debt whatsoever.
And if for some reason you ever do need a loan, it's a lot easier to get one with a credit history. It sucks that it is that way but it's ridiculously easy to get a score well into the 700s if you just auto pay a credit card.