My credit card company doesn’t really like me. I haven’t used it in over two years. I’m beginning to wonder why I even have it.
Ever try to rent a car or reserve a hotel room without one?
They wont take a debit card!
One day you will get a letter saying your account has been closed. No warning. Or, you may get a letter saying your account will be closed if you don't use the card in the next few weeks. I've had both.
The first lowers ones credit rating. So does canceling it yourself.
Always good to have one at least - might need a hotel or car rental, and using debit cards for those purposes can create some unexpected issues.