That's bullshit. You don't need to use credit more. They tell you that to make money off you. I have amazing credit and I own no credit cards and have no loans. I could buy a house tomorrow and no one would be upset I've never actively used my credit very much and the bank has always sent me crap telling me I need to get a credit card and start "building" credit but its simply untrue. You don't have to build credit if you already have it.