I can ' t hear you . <| sep |> So we ' d be the Oilers ? <| sep |> Damn . I hope you went to the hospital . That ' s going to cause some major damage . You need a professional to look at that . <| sep |> Have a fruit beer with an old friend . <| sep |> They don ' t have to . The main reason why they would is because they either want to build their credit score or they want the buy something they don ' t have the cash for . That latter element doesn ' t build a credit score . Instead they build debt . You can do just fine without a credit card , or credit score for that matter . The only people interested in your credit score in day to day life are landlords and banks . Landlords need some measure of how likely you are to pay rent . Better credit score , higher likelihood . Banks want to know how likely you are to make mortgage payments basically the same thing . Outside of that credit score ' s not a huge deal in day to day life .