There is no benefit to a credit rating it's just how much debt you can get in to, mortgages being the big one tying you down for decades and you still don't technically own your house but you have to pay for more upkeep and higher rent. People bragging about their credit cards lol get a debit card and actually pay for things.
It's not a necessary evil to have a credit card there's literally no reason to have one besides convenience which greedy people have.
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