Pay your credit card balance off every week, and it's an overly complicated debit card but you technically build up a score for future loans. Also maybe you get cash back on that?

Rational if you want a mortgage in the US at least.

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ramijames 15 hours ago | parent [-]

I'm in Boston. I'll never earn enough to buy property here. I'll never have a mortgage.

	▲	frantathefranta 15 hours ago \| parent [-]
		I'm in <other US city>. It's possible to earn enough to buy property here. I already have a mortgage (as an immigrant, building a credit score from credit cards which in turn qualifies you easily for a mortgage is pretty nice).