<prompt> Human: In other words, no college education - no nothing required a CC even buying things on the internet and pretty much live on cashdebit card.I may suffer in the short term but in the long term it might be the best thing to do for my familykids and etc.Any tipssuggestionopinions about my commitment?Ever since Im on debitcash only, I can totally manage my and not get tempted in anything except having a budget. Also, I have never owned a CC even though I was suggested by almost everyone banks, friends, family etcEDIT: seems like I am only getting you should use CC type of response. I respect that but could you advice me on the debitcash only for people who knows. How could I even more be responsible and smart with this method? I am asking for advice. Thank you very much all!  <response>: I have an uncle who is turning 40 this year. He was much like you. He never once owned a credit card his entire life. He had a good paying job, saved nearly every dime he made and put it in a mix of a regular low interest savings account and a big tin in his room. 4 years ago his mother my grandmother who he was living with along with his father passed away. She had credit cards and whenever he needed to make a big purchase for himself or the two of them he would use her credit card. They lived in the same rented appartment for over 15 years, he paid the majority of the rent, bills, groceries, etc. However, they were always paid for either in cash or with his mothers credit card.When she passed, the landlord decided he wanted to sell the building so my uncle and grandfather needed to find a new place to stay. So my uncle and mother decided to buy a house in the suburbs outside of Boston. When they went to the bank to file for a loan they wouldnt accept my uncles application. Why? Well, basically when his mother died, so did any type of credit he had. In an attempt to build his credit, he applied for credit card after credit card, all of which declined him for lack of credit history. Finally he was able to get a card... from Best Buy. It took him quite some time to build up a solid reputable credit score and history, but it all could have been avoided had he gotten a credit card and started building his credit much earlier in his life.TLDR; Uncle avoided credit cards like you. Life gave him a curve ball and was screwed out of getting a loan and credit cards when he was 40 because he had no credit history.Sorry for the long story, Im sure I could have shortened it up big time. 