You wanna know what debit cards don't do that credit cards do? Help me build a credit history and a good credit score in preparation for buying a car and/or house. In absence of credit cards (ergo credit history), the only way to buy a new car or house (for the first time) is Cash or Co-signer.
If you already have a credit history because you already bought a car or a house, good for you, but how did you get there?
Isn't the US weird? Over here you just need to prove you will be able to afford the loan (paychecks or whatever). It's against the law to discriminate based on past financial history (though car dealers do it all the time).
If you already have a credit history because you already bought a car or a house, good for you, but how did you get there?