<prompt> Human: Is there a way to build credit without a credit card? Im 25, have no credit, but really against getting a credit card. I have a debit card hooked up to my checking account and treat that as my card. I consider myself someone whos financially responsible, hence why Im adamant on not getting a credit card. But I know I need to establish credit. Is there a way I can? For example, if I got a gas card Chevron would that help? EDIT: When I say I consider myself responsible, I mean that I hate the fact of owing money, needing to pay things off etc. No disrespect at all. I have no student loans, not in debt, etc.  <response>: I dont get why being financially responsible translates to being against credit cards. I too am financially responsible, I use my credit cards like debit cards and pay it off in full every month-financial responsibility plus building credit. I have a long credit history because of student loans but wouldnt suggest loans to build credit. Get a card and pay it off every month. 