[LurkingPenguin]

> Credit is useful for the single use case of buying a house.

I haven't paid a cent in interest on a credit card since I was in my early 20s. Thanks to credit card points/miles, I've flown all over the world (often in business class), enjoyed stays at hotels, had access to airport lounge access, received various upgrades on hotel accommodations, car rentals, etc. -- all for next to nothing.

Credit cards are an excellent tool if you are willing and able to use them properly.