I'm curious markyc. Do you have no plans for home ownership? Is home ownership rare in your society? In most of the U.S. home ownership is still possible for many, even those not wealthy. However it will require a mortgage for the vast majority and without a credit history you will not get a mortgage on reasonable terms.
got it, so it's about the credit history mainly
In Eastern Europe over 90% of people own their homes, but that's another story.
Because we don't have money, it all goes to paying our credit cards.
In the USA, there is literally no advantage to using debit cards. Provided you can keep up on your payments, not using a credit card is usually a bad financial decision.
I second you so much
cashback is an awesome thing :)