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there are ways around needing a good credit record in order to secure a mortgage, having a good credit record never harmed anyone, and in certain cases can help in terms of insurance rates. And having a credit card can be helpful in cases where you suddenly need to make plane reservations or deal with other emergencies.

I just want to mention that when my daughter got into her first rental apartment, the landlord was extremely wary to rent to her since she didn't have a credit card, and therefore, had no credit history. The tipping point in her favor was that she attended the same school as the other three renters.

Shortly thereafter, she applied for a card at the credit union, which she's still using.

~~ Alison
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