<prompt> Human: I am 33 and have never had a credit card. All my purchases have been made by debit, check, or cash. People who hear this typically express disbelief and say to get credit cards and then use them to build credit. Even my parents have said that I should get at least one.Why is it important that I get one? Why is credit important for someone in my situation? I presume I already have some credit built up. I went to college and paid off my loans within a few years, but I have never had any other loans.My understanding of credit is that you need it to get loans, but I dont plan on ever needing any loans. I have zero interest in ever buying a house. I rent apartments because of the mobility it grants me in my career. Job hoppers get the big raises. I am well-insured to avoid any disasters that would necessitate getting any other loans I hope. I have a good job and am properly insured; car, renters, medical, dental, vision, umbrella. No debt. Maxing 401k, trad IRA, and HSA every year with some left over for the taxable. 6 months expenses are in my savings account.I have a 3 year old car which I paid for in cash. So far I put about 8k milesyr on it, and plan to drive it into the ground. Before that, I had a used hand-me-down. I have never had a car payment.One person told me that they only use their credit cards for cash back, but they didnt elaborate on the amounts they get, or on what. Is that usually a scam, or more trouble than it is worth?I have also heard of people getting free airplane points for trips. I absolutely hate travel, since I do enough of that for work, so that doesnt appeal to me.Are there any other benefits I should know about?Thank you.  <response>: Why is credit important for someone in my situation?Are you financially independent for the rest of your life? If so, then you dont need one and youre all set. Well, thats not true but this is too complex to get into right now since youre unlikely financially independent.Considering youre not, it means youll eventually need to buy something that you cannot immediately afford. In this scenario, credit comes into play. It allows you immediate access to money that you dont have in cash on hand right now. I dont plan on ever needing any loans.So, to clarify: you will always have enough cash to buy a car, even if you just bought one relatively recently and something happened. you dont ever plan on being unemployed for an unexpected period of time. you dont ever plan to purchase a house. you and your future family and any possible pets will never have any medical needs.Id like to know how you know this will never happen. I have zero interest in ever buying a house.OK but youre 33. I am well-insured to avoid any disasters that would necessitate getting any other loans I hope its at least a few million since you can also become disabled. 6 months expenses are in my savings account.You have 401kIRA which at 33 is nothing. You have 6 months of expenses. Is this all your well-insured protection or am I missing something? One person told me that they only use their credit cards for cash backThats not a great reason to get a card if you dont have one but its a great reason to get a particular card IF you already have one that doesnt pay cash back or other perks.Credit is good. You might not need a credit card but you should get one. Why? Because its like the insurance you talk about except this insurance is 100 free. You never know when youll need credit but when you do, youll be glad its there. 