how about no credit card and live within your financial limit!.just saying
You need credit cards to build a good credit rating. Having a credit card does not mean you are not in your financial limit I have a credit card to earn bonus's and get a superb credit rating and pay in full every month meaning there is no interest. This is what most smart financial savvy people do.
Oh and I forgot to add the protection credit cards offer against problems which is another great reason.