In fact, it seems to us that the theme with a «good credit history», which should be formed from childhood, so that later without problems feshopdumpsto get a couple more loans, invented by bankers. So they have another reason to sell you a credit card. But perhaps this is not the case. Therefore:
A credit card may be a good opportunity to prove yourself to the Bank. If you have always been against loans, and then started a family and decided to get into a mortgage, you will need a credit history. It will be easier for the Bank togetccshop trust you if there are facts of disciplined payments in the biography. In the West, your credit history is your face in front of banks and landlords. It tells you about your trustworthiness and serious intentions.