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Nearly 70% of millennials, for instance, prefer debit to credit, according to a recent survey by Chime.
A blind refusal to adopt credit, however, can hurt your long term wealth.
That’s why it’s important to have a sense of how a prospective issuer would view your qualifications.
Step one is to consult your borrowing rap sheet – a.k.a. You’re entitled to one free credit report a year from each of the three credit bureaus – Experian, Transunion and Equifax.
And yet, this useful financial instrument is anathema to many borrowers, especially young adults.
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Adults who don't have traditional credit accounts likely don't have credit reports.
And minors likely won't have a credit report unless they're authorized users on an adult's credit card.