Answer:

Credit reports determine your credit score based on your credit card usage. Without a credit card, you'll be unable to obtain a credit report.

If you are of age, it is best to obtain a credit card and use it responsibly in order to build good credit.

Good luck!

First answer by DeannaH22. Last edit by DeannaH22. Contributor trust: 0 [recommend contributor recommended]. Question popularity: 3 [recommend question].