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I guess having a card and paying it off monthly makes sense, if you're looking to gain points. But you'd better have discipline. I don't.
I have never had a straight credit card in my life. I always saved up for what I wanted and put money away. The one time I financed a car, I financed it at the Bank of Dad. As for building credit, I wasn't even on the credit bureaus' radar, as I found out when I bought my first house. The mortgage company was puzzled by that. But I had the down, assets, a good job, and no debt, so I got the loan.
After you get your first home loan, you don't have to worry about credit cards to build credit. The fact that you make monthly home loan payments is good enough.
So: a big credit history isn't necessary to buy a house, if you've got the down and good prospects. And once you buy a house and make payments, your credit is good. So credit cards aren't necessary to build good credit for the one loan you really _need_ to have, so long as you stay out of debt and save your cash.
Stay out of the credit trap. Don't even go there.
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