I've had this trouble, i too owe no-one nothing, and never had thus have a bad credit rating, so when i was gonna get finance for a new tool box the rep said he probably couldn't cos i don't have a good rating due to not have a credit card, so i paid cash and got a good discount because of it

but anyways, would it be worth me applying for a credit card and then just not using it just having it to up my credit rating for future reference?