<prompt> Human: Im 24 years old. And my credit is better than my parents. What can i do with this apart from constantly getting bombarded with pre-approved platinum credit cards?I get i automatically approve for a house, but what else can be achieved by having this amount of good credit? By the way, whats the best credit possible? 850? If so that is where i am going in direction.Assistant: You dont need to actively seek ways to utilize your credit score.Human: Im not seeking, just looking into what its good for other than a house. Im not using any credit cards until i buy my first house, sticking with a ddebit card and living wayyy under my means  <response>: There is no reason to not use credit cards if you are financially responsible. They provide tons of potential extra benefits as well as steadily benefit your score through use.Almost all potential benefits can be wiped out with a single missed payment or two, hence why being financially responsible is key. 