<prompt> Human: I see what she means but how much credit would it get me and how useful would it be considering I dont think ill ever want a house or new car when im older, I think houses tie you down to local jobs and ive had no problems with used cars and theyre all at great prices.  <response>: Just get a credit card, better to build credit and have it when you need it instead of not having it. Youll need credit score to get loan for used car if needed or even to rent a apartment. 