I actually did the opposite. I canceled all of my cards and only pay with cash or my debit card, which works exactly like a credit card. Also, while using a credit card can improve credit it can just as easily hurt it if you miss payments, have too many credit cards, run up high balances or max them out. When I went to buy a home I had terrible credit around 600, I had 4 credit cards, 3 bank account and several money market accounts and CDs. Apparently I had too many accounts for my age and was considered a financial risk lol. Yet I had almost enough cash to buy the home outright. Meanwhile my wife, had about $500 to her name and $50,000 in debt but had a 700+ score
F**k the banks, they get wealthy off the poor and ignorant. If you have a decent job and can save money there is no reason credit card or loans, just save up and buy what you want with cash. And if you don’t have the cash, which means you’re probably trying to live above your means and you shouldn’t be buying it.