no they dont.

I have never had a credit card, but I owe the electric company so much money it went to collections. My credit has never been over 600, but usually chills in the 500 range. No one, not even when I was 18-25, before the debt, would give me a credit card. The bank wanted me to give them $500 back then, and then run a line from the money I already gave them to build credit. I didnt have $500 extra laying around to give them, so I never did it. Then a few collections come cuz you cant pay, and now you have terrible credit without ever having taken credit out.

Living paycheck to paycheck, can be, living paycheck to four days before paycheck. There is nothing to give.

I was already always so broke, I never wanted to take credit out anyway. That debt was scary, and the longer you let it sit, the larger it grows.