While I admire your principal, not having any credit cards severely limits your purchase power, as well as possibly your credit score.
Have you ever made reservations at a hotel? Ever bought airline tickets? Ever bought anything online?
I suppose there are ways around those tasks WITHOUT having a credit card, but it makes it very difficult.
Try using a debit card account. For security reasons, open an additional debit card account (checking account) at the same bank you normally bank so that you can transfer money to that account as you need. Debit cards also have protections credit cards have, and this also helps limit any liability of someone, for a short time, getting all the money in the account.
Most of the yesterday’s issues companies had with debit cards are nearly gone.
“not having any credit cards severely limits your purchase power,”
False. Cash is king for purchase power.
” as well as possibly your credit score.”
Who cares. A credit score is nothing but “an I love debt” score and if you have no debt you have very little risk in life.
“Have you ever made reservations at a hotel? Ever bought airline tickets? Ever bought anything online?”
Yes. Constantly. A debit card can be run as a visa/mastercard and carries all of the same securty and protection.