It can be caused by an abundance of things, such as: sex, holding your pee/not emptying your bladder properly, hygienic reasons, medical reasons, tight clothing can play a role, they also become more common with age. It is very important that it’s being treated and the fact that you haven’t had symptoms yet probably means you found out in its early stages. When a UTI is ignored it can spread to the kidneys and that’s not pleasant whatsoever.