Should I take out a credit card?

[Sirbob00]

Unsure if I’ve posted in the correct area so feel free to move if I have.

 

Back in 2012 when my husband became sick he lost his job and we allowed our house to be repossessed.  We stopped paying all non priority debts so 2014 was the last time they were paid.

 

Now though they are statute barred and although my husband has 2 outstanding CCJ’s my credit reports is looking much better.  With Experian it’s 999, Clearscore it’s 401 and CreditKarma it’s 582.  
 

The thing is though both Clearscore and CreditKarma make suggestions about improving my score and it’s suggesting I take out a credit card.  Now as a youngster I was stupid with credit and if I wanted something it just went on the credit card.  I got into a huge mess but only now after going through the stress of loosing our house and debt collection letters I’ve learnt that if I don’t have the money I can’t have it and if I want something then I save for it.

 

Currently apart from mobile phones I have no other credit.  Should I take out the card in case in the future I do need credit or should I just ignore the suggestion of a credit card.  I will say that I’ve learnt my lesson so I wouldn’t actually use the card so thinking if that’s the case then not using it won’t actually help my score.

 

Many Thanks

[dx100uk]

it you don't need it don't do it.

it's a myth it improves your rating too.