You're the type of person bankers want to lend money to. Good for you for fighting and winning the war of youthful indiscretion! That isn't easy to do when you're nineteen or twenty.
Your parents did you a big favor by teaching you the truth about credit. My mother, who is now 66, told me more than once about a credit nightmare she lived through at 23 years of age. Living in a small apartment in the Bronx, she and my father (who was 25) went to Sears and bought a carpet and a vacuum on credit. With three children under the age of 4, they had a hard enough time feeding us, clothing us, and paying the rent. Eventually, they missed several of the Sears payments. One day, a man from Sears showed up at the door to repossess the items (the good old days...). He took one look at the apartment, saw that there was hardly any furniture in it AND three small children. He had mercy on my mom and only took the vaccuum back. He said he would tell Sears that the carpet was too worn to return.
My mother had only been in America for two years at that point. That was her first and last "on credit" purchase for years. I never saw my parents use a credit card - never. They had a mortgage and cars loans, but they were paid on time, every time. And if there was an emergency, their savings usually covered it. If not, they always had the credit to borrow from the bank without a problem.
Funny, mom gets credit cards sent to her all the time, but most she cuts up and throws away. She has one with a $50K limit, but I don't think she uses it more than a few times a year.
Credit can be a wonderful safety net, or a ball and chain.