Can you establish good credit without a credit card?

credit card use
credit card use

One of the effects of the Credit CARD Act of 2009 may be that it's going to get tougher for younger people to get credit. Depending on your point of view, this could either be wonderful or terrible news. I tend to see it as great news, because it'll be more difficult for younger adults to get deep into debt at an early age. Of course, I come at this with a biased viewpoint, having gotten into credit card debt in my early 20s and never really managing to get out until my late 30s, and then only because of a bankruptcy.