If you're not ready to apply for a credit card, you do have other credit-building options. They include:
Becoming an authorized user on another person's card, such as a parent, spouse or partner.
Signing up for a service that reports rent or utility payments to the three credit bureaus (also known as self-reporting) so that these payments are reflected in your credit history.
Paying loans like your car loan, personal loan or student loan on time. Loans count toward your payment history, just like other forms of credit.
Looking into credit scoring models such as UltraFICO or Experian Boost that use expanded criteria to evaluate creditworthiness.