No longer have credit cards and no longer worry about it.
Occasionally it is quite convenient to have one. For example, I just saved $100 by being able to purchase a Walmart "web-only" tire special. Not to mention deposits for various things. Could have used a debit card for the Walmart thing but I worry more about giving out that number.
Me neither. I have a Visa debit which comes with all the same protections as a Visa credit card. I don’t miss CC’s, not one bit.
But....you can’t function in society if you don’t have a credit card!!!!!! </s>
I have had more than one ‘discussion’ here on FR about how I couldn’t possibly live a decent life without a credit card. (And then these same people complain about their CC fees—if you want to borrow money, you gotta play by the lender’s rules). We live on a cash only basis, and pretty much all we use our debit cards for is to buy gas.
To make us even more weird, we don’t have a car payment either. Haven’t gone hungry, have clothes on my back, a roof over my head, a tank of gas, and am able to put my kids through Catholic school without relying on credit. Once we finish paying off the dh’s student loan (about another $4k to go), we only have a mortgage left. We have emergency savings and another account for stuff like house repairs, vet bills, car maintenance, and Christmas.
Even with the economy the way it is, I sleep pretty well at night.