the other reasons are that I worked for the largest issuer of Master Card - learned more than I wanted to know about credit cards - and don't want a cell phone as I enjoy being in my car, or elsewhere, with no interruptions. I like 'down' time.
I hate telephones, which is why I'll continue to avoid cells as long as possible.
I don't sweat the credit card issue. I'm fully confident that my life is so incredibly boring anybody do tracking on me would gauge their eyes out with a fork in a matter of days.
It's amazing what info you can get from credit card databases. I've seen it.