Were you ever taught about credit scores? Many people have limited credit, no credit history, poor, fair or bad credit, and some have good credit. Learning about credit can be helpful in that credit can help you vouch for large purchases such as a car or a house.

Some finance professionals on the other hand do not promote use of credit cards, credit scores or building or using credit as they believe the impulse and debt can get out of control (see professionals such as Dave Ramsey to hear another view of credit: "how to improve your credit score without debt" https://www.youtube.com/watch?v=3k0ObI4OBbY by Dave Ramsey).