<prompt> Human: Im 22 and just graduated with no debts working at 35kyear. Im the kind who just pays cash for everything to control my spending. Ive seen a lot of people in debt because of having a credit card and I do not want to fall into the same pit. Plus, I use to have a spending problem and Im still trying my very best to control it. I know you need a credit history and all sorts for a mortgage and Im afraid I would not be able to obtain one if I do not have a credit history. I just dont buy into the fact that I must have a credit card to have a mortgage when the case is that credit cards are notorious for causing debt. Is there any way I could still get a mortgage without any credit history? If so, where can I possibly find one that would approve? Assistant: Credit cards dont cause debt, irresponsible people cause debt. Dont blame an object that only does what you have it do. If you dont think you can control your spending then dont get a credit card yet. If you think you sort of can consider putting a reoccurring expense on it and then cutting up the card. This way you can start building credit buy with less temptation.Human: Thats true. But honestly, I feel that paying anything with a card just loses that feeling you get when you actually spend hard cold cash. Its far easier to hold back on a purchase when you actually see the amount you need to fork right in front of you. But yeah hey, maybe I need to be more responsible.  <response>: It does lose that feeling, and that disconnect does sometimes lead to spending more. However you wont be able to pay cash for everything so having a paper trail of good credit will be helpful in life. To limit your spending more than you should try paying only your bills with credit and everyday expenses with cash. 