Maybe you pay all your bills with cash , maybe you?re a student , maybe you have never needed a loan for anything . All this will have an effect on your history . Don?t be upset ... if you?re like most people you will get a credit history far sooner than later .

Options: a. They person needs to get a line of credit . b. None of the above choices . c. The person is applying for a credit line . d. The person does n't have a credit history .
Answer the following question: What may be the reason for this advice ?
d.