MONEY Warning: A non-numeric value encountered in /home/customer/www/adv4life.com/public_html/wp-content/themes/newstube/functions.php on line 1651 How Can I Build My Credit Without a Credit Card? Rachel Cruze I heard this all through college: “I have to have a credit card so I can build my credit.” I heard that from professors, friends, my friends’ parents . . . everyone. Read more