That reminded me of my 27-ish newlywed niece and their home purchase about 2 years ago. She had to drag him to get a credit card ahead of time so he would have some credit built up. So, I can see this as an issue.
What I think the article overlooked is that you do not need a universal credit card to buy a washing machine or other big appliance. Many of the stores will extend a store credit card, if you qualify. You can get one, use it (often at 0%), pay it off and then let is sit idle. That is not an uncommon way to start building credit. Find a store you use, get a card there, then prove you are responsible.
Do student loans show up on credit reports?