Credit is useful for a lot of things, and it's not likely that you'll _never_ need to go into debt. Credit is a tool that can be used properly or abused, just like anything else. It's important to have good credit ... even if you never plan on needing a loan, it prepares you in case a circumstance arises where it is necessary to obtain one, and it's just smart to have good credit established.

Never spend money you don't have, just charge things to your card and pay it off at the end of the month (or carry a balance a couple of months at a time once in a while, some people say this improves your credit score, and some companies will get pissed and cancel your account if they're not making at least some interest). Then, if you ever need it, that credit history will be there, and it is often used for things besides debt. They generally check credit when you go to rent an apartment, etc. Some people are even checking the credit of job candidates now. It's good to have good credit history.