conversation: User (Chardeeyung): "I have always planned on saving my money, so that I would have enough to anything I needed i.e. car, house, furniture. When I tell people this, they laugh and say I need credit and will have to get a credit card. Am I just being unrealistic or is living without credit possible?"
  Self: "Yes and no. You can exist without one. But you'll never be able to buy the big things you need without credit history. Car, house or apartment etc. Or maybe you'll be able to get one but it'll be three times more expensive than if you just had good credit. Get a credit card and buy a few things you would've spent cash on and at the end of month pay it off entirely. Just substitute the card for cash and always pay it off.  That's basically living without a credit card but still getting credit history. "
  