Is it bad if I’m in my late 20s and never had a credit card in my life? Should I open a credit card now?

Is it bad if I'm in my late 20s and never had a credit card in my life? Should I open a credit card now? The only source of credit I have on my record is a $4000 student loan, which I paid off last year in full. Currently working at a temp job for a credit dept of a company making $1300 a month. Living with parents rent-free and own my own car as I purchased the car from my parents. Only bills I pay are my auto insurance and water bill. I have neve...

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