Going through life without a credit card these days is so difficult as to be nearly impossible. Even if you’re not really a shopper, you will still need one for many day to day uses. If you want to book a flight or a hotel room, you’re going to have to have a card in order to do so. And if you want to be able to shop online or by phone, it is a must have item. Just try to rent a car sometime without a card – it’s just not going to happen unless you have one to present to the clerk. Credit is unavoidable and that’s all there is to it.