There's always talk of credit card debts, credit histories etc, and financial providers looking up people's credit history before lending them money. I've never seen the point of a credit card and always use a debit card. Obviously it's good to have a good credit history, but because I don't have a CC I don't have a history. I've been told it won't affect my home loan application, but is it a good idea for the future to use a credit card to build up history? I did get a no fee card last year but have never used it.