<prompt> Human: Im here to vent about my current situation and as a word of warning to anyone else who is on the road to my situation. I am 28 and I am extremely financially responsible. Im frugal, I plan, I budget, and Im comfortable on a very small income. I started working at 15 and by the time I got to 28 I have about 22,000 in savings. Keep in mind that over those 13 years my average income was about 15,000 per year. Starting 3 years ago my income was its highest at 32,000 and 6 months ago I got a new job that pays about 39,000. So Im not a high earner but Ive been able to save a ton. I also have 0 in debt and I have paid off my student loan. I live in a city with a booming housing market with great investment potential because within about 5 years any house I buy now will be worth a lot more. About 6 months ago I received a small inheritance from a deceased relative. I got about 22,000 so I basically doubled my savings. I decided to use about 30-35,000 for a down payment on a home. With a secure job, a substantial savings account, no debt, and a partner to share a mortgage with- Im in a great place to buy. I was denied because Ive never had a credit card. Now I have to wait 6-9 months to build enough credit to get a loan and houses are getting more and more expensive. So anyone who is in their mid 20s and financially stable and has never had a credit card and feels that they dont need one. Get one, use it even if you dont need it. Ugh- Im kicking myself.  <response>: Funny thing about credit. You never really want it until you really need it, and when you really need it, no one wants to give it to you.Sorry youre learning this one the hard way. 