How does someone build credit without a credit card?

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      Anonymous
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      I am thinking of those who do not have a credit card and pay for everything by check and cash. How is their credit rated? Is it based on a loan for example (car, student, etc.) and what if it is their first time applying for such a loan? How is their credit history looked at then? What if someone is applying for an apartment rental and does now own a credit card?

      I have always wondered this.

      Also, some people, after having paid off their debt, switch to using cash or check only, but apparently no activity at all on your credit card accounts isn’t good either.

      Any input?

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