Sorry to be all serious, but I?m a credit counselor?
You won?t have ?no? or even a bad credit score without a credit card, as long as you pay all loans and bills on time. You can have positive credit either way, but Lisa is right ? having a mix of credit is actually better. The ideal consumer has 1-2 credit cards, never has a balance above 25% of the available credit (if you have a $4,000 dollar limit, never charge more than $1,000 ? even if you pay it off every month, how much you charge gets reported), and pays it off every month. You don?t even need a high limit, just enough so you don?t utilize more than 20-25%.
?go back to lolz now?
Source: http://failbook.failblog.org/2011/12/10/funny-facebook-fails-finance-youre-doing-it-wrong/
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