I might as well not give in now, yet, and get my first credit card ever, They sent me a Debit card 15 yrs ago, have used it sparingly. Join NGC, etc...It's a rare card anyway, debit only, no credit. One of my bankers that I've known for 45 years told me that "your credit sucks". He said I really don't have much of a credit record, but the good news is I don't owe anything. I didn't ask for my score, it really doesn't matter. Cash only for me, don't order on Amazon or Ebay etc... You say no more cash, That's going to throw a wrench into my life journey for sure, I won't have a choice. I'll probably end up quite happy, Besides, I'm getting tired of store clerks asking me if I want my change back. What? H yes I want it back.