From reading your posts here you are ahead of about 93% of our population. Saving up to buy a truck? Yikes! Good job.
Being a tight wad is a good thing and staying away from credit cards is good idea. I have one that I only use for mail orders and not much else anymore.
I have finally got my farm debt free and hope to stay that way. I know farmers that cuss credit cards but borrow every dollar of every year for operating and living expense and think it is not the same. A loan is a loan but at least the credit cards can't forclose on you as easily.
Don't worry about a credit rating. It is nothing but an "I love debt score" as Dave Ramsey would say. If you must, I would say take out a small bank loan and pay it back on time.
When the time comes to buy a house and you have no credit cards but have 20% down in cash you will get better terms than anyone with debt on 10 cards and 2 car loans. You may have to get a loan from a banker that knows you and will want the loan rather than some big or internet bank that only pulls your credit rating.
I do know of a guy your age who tried to get a card and was always refused. He had never had a loan of any kind but got a card through his local bank who was more than glad to help him. It's so funny because the card people would rather send a new card out to somebody with other cards rather than to somebody with a pile of cash. Maybe they don't figure the guy will be a good customer and send them piles of interest and late fees, and that is the whole profit motive of credit cards.
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