<prompt> Human: Hi !First post in rpersonalfinance for me. Heres my question : Is it possible to live without credit card in 2017?One of my 2017 resolution is to cut credit card and anything related to credit. I want to try if its possible to do. Of course I can, but what are the risks of doing so Is someone living credit free? I want to have different POV and thats why Im asking you guys!Edit 1 : I live in CanadaEdit 2 : POV please god do no refer to porn  <response>: Credit isnt evil. In fact, it can improve your quality of life if used prudently. Few could ever afford a house without credit. Also, landlords and employers and insurance companies often use credit scores when evaluating hires or evaluating tenants ability to pay or price insurance. Without a credit history, no one can confirm you pay your bills on time, making this a bit more difficult.You will also have a really hard time renting a car or traveling without a credit card.At a minimum, you might want to have a credit card and use it like cash. Pay the balance in full every month. You get rewards, and if you pay the balance in full, never pay interest. Using the card and paying will also generate a rising credit score. 