BiBi---Nothing wrong with no credit cards!We keep one for emergency trips and making purchases on the web.The way that
I always looked at it-If you don't have the money for it;you shouldn't buy it.Too many people are owned; by their cards;instead of owning the card.I actually had a telemarketer;
laugh at me;when I told them that I didn't believe in credit cards!
I told them-You called me!I didn't call you! Irish

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Irish---Better to be dead & cool,then alive & uncool!
(Harley Davidson & the Marlboro Man)