[dustinmoris]

That's not how it works in the UK though. You need to be having credit in order to build up credit score.

[simonh]

Sure, I've taken out loans, had several mortgages, multiple bank accounts, paid all my utility bills. All of that can influence your credit scores.

It is possible some people could have so little credit history that having a card for a while might be beneficial. I don't know enough about the system to be sure, so maybe I was being a bit flippant, for which I apologise.