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1It would be wise to apply for a credit card and use it sparingly. I never had loans or a credit card all the way through college (until I was 27-28 years old). I found that people were throwing credit card offers at me while I was in college, but after I had graduated I was "an unknown credit risk" and was unable to get a card on my own until I joined my wife's accounts and built a little bit of credit history. The alternative would have been a secured card, which I didn't want to do.– DavidCommented May 30, 2017 at 18:37
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You're doing fine without credit now, don't open any accounts! If you ever get to the point that you want a mortgage you can have manual underwriting and they may well be impressed that you're not a debt crazy.– AbraCadaverCommented May 30, 2017 at 19:14
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