I'm gonna have to disagree... about 2 years ago I went to value city to try to buy a couch. I thought, what the hell, its $300 I'll get a credit card, try to start establishing some credit, bc up to that point, I only bought things that I could afford with cash. I try to get a card and I'm declined because I have no credit. Never mind that i had ZERO debt to my name, they wouldn't give me a 300 dollar credit line bc I didn't have credit. Gotta start building it up at some point...