One thing I found interesting is my Apple Card. When you first open an account in the USA, they send you a titanium card which you have to validate while in the USA. You also have the credit card function on your IPhone, but the account number is different on the phone than it is on the actual card. Anyway, my original titanium card expired while I was in Thailand, and they sent a new one to my USA address. But it can't be validated unless me and my phone are back in the USA and I haven't been back yet. But, the credit function on my phone was renewed automatically, with a new expiration date. And supposedly, that will continue to happen every time it expires, whether I'm in the USA or not. So, I never use the titanium card, but can still use Apple Pay, and I use that all the time for groceries and such. You can also use it for online hotel reservations, online merchants that accept Apple Pay, or at the Apple Store online. Currently, the Apple Card is being managed by Goldman Sachs, but the plan is for a transition to Chase sometime soon. As for the original question about maintaining a credit score? Why not? Unless you simply don't care about credit, but life without a credit card can be problematic. Making hotel reservations, for example. Or renting a car. Having a credit card is often very helpful and sometimes necessary.
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