We have all been told that you need a credit card to build your credit history. If you don't build your credit history, you won't be able get the loan to buy a car or buy a house; you don't want to rent forever. How about, you need to keep a balance on your credit otherwise it won't show your history. Or the ever famous, without a credit card, you won't be able to buy things online, make hotel reservations, or breathe air.