<prompt> Human: Back in the year 2000 I bought a computer on my credit card for college and proceeded to spend 3 years paying interest on it. After I finally cleared it and became disgusted with the calculation on how much extra I paid, I cut it in half and have been without a credit card for 12 years. My credit score is fine, a whisker under 800, I have a home, and only buy cars with cash, so Im not worried about anything credit-score related my only debt is mortgage. So aside from that nonsense, is there anything Im missing out on thats worth the hassle of having one?  <response>: I consider having credit cards less of a hassle then not having one. Rewards and more secure than debit cards since theyre not linked directly to your money. 