You've spent your entire life planning to be the best. (I HOPE) Once you've established an identity for yourself, you'll want to keep travelling in an upward direction. Building a family is only part of it. Even if you decide to go it alone, you'll want to be secure financially. Being on time with all bill payments. Paying more than the minimum on reoccurring accounts. Not lending your name and or identification numbers; will insure that, what you've worked for, will count towards your rewards, when you need them the most.
When you're ready to buy that home, car, boat or any big ticket item that falls beyond the comfort of one single payment, having a great credit rating and score will prove beneficial to making those items yours.
When it comes to your name, your identity, your convenience, YOURS is the key word. Be aware, be responsible and you'll rest easier knowing, you've earned your spot at the top!