Sure, I've taken out loans, had several mortgages, multiple bank accounts, paid all my utility bills. All of that can influence your credit scores.
It is possible some people could have so little credit history that having a card for a while might be beneficial. I don't know enough about the system to be sure, so maybe I was being a bit flippant, for which I apologise.
It's wildly overstated in the US. Having a CC and not paying it off in a timely manner definitely affect your score but the difference between having a card and not having one isn't as big as people make out.
If you have proof of income you're going 90% of the distance.
...and can't get a mortgage and buy a house because you have no credit score.