If you live in this society and not off the grid, you need a good credit score. A credit account is now essential for many on line and off line transaction even taking a bus or parking at a parking meter or taking a cab or ride share. A card with a low limit that you keep paid off as you go can be very useful. Just use it like cash and pay as you go. Use a different card for larger transactions and leave it at home in a safe place but treat is the same way. Never late fees and no interest is best is best way to establish credit.
