You don't need credit cards at all. You don't even need a FICO score. You just need to live on what you earn. It's a radical concept I know!

You can still rent a car with a check car, don't believe that lie, Hertz and most of the major carriers accept them.

And yes, if you must you could still get a home loan without a fico score, you just get a loan that is manual underwritten, which is more accurate than a fico score.

All a fico score is a "I love debt" number. Some people swear by their "rewards". You never hear millionaires say they made it rich by their "rewards" If you play with the snakes, you will eventually get bit. Just read all the stories on here about good people that got bit by the snakes.

Good Day