Agree totally.
Back in the days my wife have no debt, no credit card, no credit, and she can't even get a car loan because she had no credit history. We had to get her two credit card and start to use them and pay the minimum to build credit for over 9 months and her credit score skyrocket and the rest was a piece of cake.
Agree, must be discipline and use the card base on what you can afford if you had cash only. Today, both our credits are above 700 and we have no credit card debt. We held on to an American Express card and a Visa card for just in case situations. Life is good.