Touche. You don't need credit cards unless you're strapped for cash or a entrepreneur who likes it fast and prefers to pay financial obligations in one go. I used to have a credit card but I think it only added to my financial burdens. It's like I deliberately placed myself in hot water and heaven knows how much they charge you on an annual basis. I'd rather keep a debit card. Everything is charged from your own bank account so it at least disciplines you and keeps your feet firmly on the ground. Credit cards tend to encourage splurging.