Having good credit is necessary for almost everything in the U.S.: getting a loan, buying a car, renting an apartment, and more.
The way banks and private businesses know if you have good or bad credit is by looking at your credit score.
A credit score is a three-digit number (between 300 and 850) given to you by U.S. credit agencies that lets businesses know how risky it is to let you borrow money. Your credit score can go up or down over time because it is calculated based on late payments, amount of debt, and other money-related factors.
If you think there is a possibility that you will stay in the U.S. after you finish studying, you should think about getting a U.S. credit card to start building your credit.