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Reply to "Anyone else not have any credit cards & why does it hurt my FICO score?"
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[quote=Anonymous]OP, note what others have said: getting a credit card in your situation isn't likely to do much for you. If your current FICO score is within 10 points of 800, it is already very good. Certainly enough to get you good rates on any loans you would need. A credit card isn't suddenly going to vault you to 850 (a "perfect" score). You also need time -- a long history of paying on time, with typically comes with age. If your financial situation is good for you now, and you are comfortable living without credit cards, I wouldn't get one just to watch my FICO score go above 800.[/quote]
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