<prompt> Human: Im just curious. I havent had an open CC account for about 2 years now and I havent had a car payment in just as long. My wife has never had a credit card and her cars been paid for since 2005 I think. Weve got student loans, though, and a mortgage. What about the rest of you all? Ive never had an issue with not having a credit card. Lifes better without them. for us at least. possibly you as wellAssistant: Ive never had, and never ever will take out a car loan.However, credit cards are an excellent way to build your credit score and you can earn 100s or 1000s in rewards each year. Just make sure you ALWAYS PAY ON TIME!!!Human: Why do I need a credit score?  <response>: Your credit score also affects how much you pay for car insurance and it is referenced if you rent an apartment. 