When I was a young man I was told that I needed to have and use a credit card to show that I had good “credit”.
When my children reached the age of majority I told them once again, (after lecturing them for years), that if they wanted a credit card then fine get one. But NEVER, EVER use it unless it was for a real emergency. Paying the damn things off was a miserable thing to accomplish. The more you spent, the more you needed to spend.
Now it looks like the kids have figured it out. GOOD for them!
It’s important to have a good credit rating to get a mortgage.