It does help quite a bit, and if you don't trust yourself, then you are smart enough to know you aren't ready for one yet. They are nice to have for emergencies and on line purchases. You have more protection than using your bank card. The banks like to see how you do managing your finances. Properly managing your plastic is a good sign for them. Having cards that are always totally payed off, is good, but it doesn't raise your rating (they like to know if they lend you money for something that you'll let them make a couple of bucks along the way.)
It sounds like you're doing all right.
thanks. i keep 1k banked at all times for car issues or whatever comes up. when i bought the house they had to check my credit score and i think it was around 620 or so and thats without ever really having credit. i bet its a bit down from that now. ive always paid for my cars in cash....5k was the most ever....way to go used autos! good post hectic. gave me some thoughts.