Comment: That's one other major reason I do NOT have a credit card

Unfortunately as a result no credit either.

When I was young and dumb plenty of credit cards abound, never bit. I have never believed in spending more than I take in. Interest rates will kill you as well.

Unfortunately later into my 30's when I tried to get a simple $500 limit card I was denied because of lack of credit. So I can't buy a house, until I establish credit with a prepaid card and then get a crappy credit card. Well, my bank does not issue pre paid credit cards to where I can buy all my groceries and have my checking account pay my credit card balance for me each month (no late payments.)

Using credit only rewards insalubrious behavior by the banksters. I feel guilty even having a bank account.

Credit sucks. I know it's a necessary evil for many but I don't believe in spending more than one makes personally. That's why I am saving my FRN's to buy property with cash.