<prompt> Human: Often I hear people using credit cards even when they dont actually need it.It is not because of lack of money, but to build credit rating or collect points or stuff like that. Im not sure on the details how it works in USA.So. Can anyone give me reasons why it makes sense to use credit cards and pay off any credit card debt at end of each month even when you dont actually have to?Assistant: I think the most important reason that others havent mentioned, is that its the easiest way to build up a good credit score for a larger loan when you want one. In particular, car and home loans.Human: Why would you ever use a car or home loan, when you have to pay for it?Assistant: How old are you that you plan on paying cash for a car not unheard of but uncommon and cash for a house unheard of?Human: It doesnt really matter what age. I mean: if you cant save up, just try earning more and save up more. I think that loans is a very bad case of not being able to employ principle of delayed gratification. If you arent able to buy a car or a home in cash, then it means you have literally not earned this right and should make more money instead of borrowing it from the banker overlords.  <response>: Houses in my area start at 300k and thats for a dlapidated shoe box in a dangerous area. Why on earth would I pay more in rent for 20 years to live in a worse house? 