<prompt> Human: I am 26, and have never borrowed money, and I do not plan to. I joined the military to avoid borrowing for school will be graduating in December, and built up a reasonable amount of savings in the process. I am in the process of getting a job where I will move regularly, so it does not make scene to buy a home, and in most cases they will either be providing housing, or assisting in finding accommodations. I have been fairly good with my funds, and when I eventually plan on buying a home if ever I should have the luxury of not needing to borrow to pay for it.I know someone is going to say it is good to have anyway, but is it really worth the time and effort of actively building a credit score?  <response>: In 5, 10, 20 years you may feel very differently.Dont screw future you on something as easy as getting a credit card and paying it off regularly. I just think its a bad plan.Good luck friend! 