There are a few key reasons why you should care about building a credit history. First, your credit score is used to predict how likely you are to pay back the borrowed credit. Companies use credit scores to make decisions in offering credit cards, car loans, mortgages, or other credit products. If you have a good credit score, you're more likely to be approved for these products and get better interest rates. Second, good credit history can save you money. If you need to borrow money in the future, having a good credit history will help you get better terms and lower interest rates. Finally, good credit history can help you in unexpected ways. For example, if you're ever applying for a job, many employers will check your credit score as part of the hiring process. So even if you're not planning on borrowing any money in the near future, it's still important to build up a good credit history.