Your credit score can affect the interest rate of getting an auto loan or a home loan. Most adults will have a credit card to establish credit history but won’t be using it to get by. Some might use it for stupid purchases though.

Not just credit cards, you want a car, or a phone, or a place to live? I’ve even hear of some employers asking to check the credit of potential employees, were suppose to always be in debt, because our out of control capitalism means the average person can’t afford anything, it must be financed.