<prompt> Human: Im 20 and dont have a credit score, have never used and and dont expect I ever will, my parents raised us to never use credit. So are there things in life Ill absolutely need it for or can I get by without it?  <response>: Not necessary, but very helpful if you ever want to rent an apartment, buy a house, sign up for a cell phone plan, etc. Its free to geta basic credit card which will not only build credit, but have many more buyer protections than using cash or debit. 