Actually building and attaining good credit is a valuable asset in its own right. Building wealth is more than refusing to play the game and putting money in a shoebox.

Be disciplined and use various financial vehicles for your advantage.

No credit == Bad credit.

This equates to you being seen as more risky which equals you paying more interest for any loan in the future. Having good credit also afford you more opportunities.

I only know b/c I avoided holding a CC and loans for years until it started to hurt. Now I use them with discipline and for my advantage and am 810+