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“The only other issue [I had with canceling my credit cards] was in 2010, when I purchased the home I live in now. I had to open a 0 secured credit card to help bump up my score.” Keep track of your credit score: Living without credit cards may be damaging to your credit score, which may make it difficult to get loans or a mortgage.

“If someone has no open credit accounts of any kind within the last two years, they will not have a credit score.Otherwise, a secured credit card may be the best option for jumpstarting your credit history.Many people swear off credit cards because they carry the potential for debt – which can be avoided if you charge what you can afford and pay your balance in full each month.It might also be a good idea to sign up for a credit report monitoring service so you can keep track of how your score is being affected by your lack of credit cards. These services also alert you when there are any changes in your credit report, so they can also help protect against identity theft and fraud.

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