Depends on the card you apply for. I didn’t have a credit score until my mid 20s because I avoided them like the plague and bought only with money I had. Now I still do the latter, but I get rewards for using a credit card for purchases. My very first credit card had a very small limit ($250-500, I think), and I only used it for groceries.
Not to say everybody needs a credit card/score, but they do have advantages if you’re responsible with them. :)
Not to say everybody needs a credit card/score, but they do have advantages if you’re responsible with them. :)