You’ll be rejected from a lot of things on the basis of having no credit, because in the U.S., it is considered worse if you have always paid everything up front and on time than if you consistently borrow and make continual payments. Now, that doesn’t have to be a credit card per say, it can be car lease payments, student loan payments, medical debt payments, my landlord reports my rent payments, but credit cards are one of the easiest ways to build up your credit score before you say, have to spend an extra $1500 upfront for an apartment on a co-signor service because my credit score wasn’t considered high enough for an apartment I pay $500 a month for.