I LOL'd, literally
When I was speaking with a banker about this, he told me this crazy story.
He once had a client, someone who over his years had made tons of money and was still making high 6 figures a year. However, this guy never took out a line of credit in his life. As his kids got older he wanted to buy a couple of properties for investments and for his kids to move into later.
Went to speak to the bank about getting a home loan. Low and behold, he can't be approved because of his credit score/report, or lack thereof.
He ended up just paying cash for the properties, to the tune of over a million dollars...
Now, if I was in that position, I don't need any CC's but I'm not quite there, yet