It is important to check your credit report
No matter if you have a credit card or not, you want to make sure that at least once or twice a year that you check your credit report. You do not have to spend money either. You can go on the internet and get your Free Creddit Report. Usually it will take a few days, but typically the results are pretty fast. It is probably one of the best ways that you can ensure that your credit is as you expect so that no surprises come your way when you are trying to use your credit for a loan or job.