<prompt> Human: Im leaving this purposely vague and open ended. I have zero debt and zero credit. So what are the trade-offs if I decide to not establish revolving credit?  <response>: Some employers do credit checks and base employment decisions off of it, most people cant afford to make large purchases homes, cars, etc with cash, and some landlords require credit checks to rent from them. Consequences can range from none to unemployment andor crappy housing. 