That's pretty funny. I've always wanted to just use cash for everything, so my credit score doesn't matter to me anymore. However, you do need a card of some kind to shop online, make travel or hotel reservations, rent a car, and other things like that. Maybe we should just all make a ton of money on Steemit, use cash, and just have one card we pay off in full each month. That's probably the best idea in our modern world.