Take it your way
- Of course, a lot of people do not have a credit card. If you want the convenience of a credit card, but no debt, either get a prepaid card from somewhere like Walmart, or just open a checking account that gives you a debit card. Most debit cards can be used as credit cards, you can not spend money we do not have.
- Yes, you may only need to change your lifestyle. I've never met anyone who had credit cards, then got rid of them and repented.
- Many people do. If you will run into problems: Rent a car, Airline reservations online, Getting a hotel, You can do this with a debit card.
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