every country in the world that has credit cards has credit rating systems. unless you never intend to need a loan for a house, a car, unexpected expenses, graduate education or acquire insurance on some of those, regularly purchasing and paying off credit card bills is the single easiest way to get all of those much much cheaper. credit cards also have some benefits – its much easier to recover from fraudulent charges before your money is actually removed from your account, you get some percent of cashback benefits because other people don’t use credit cards responsibly. all of this is true even in the third world where banking is more fragile. get a credit card if you can use it responsibly, ie, exactly like a debit card by not spending more than you have and setup automatic payments on time.