I work in a hospital department (I.S.) with about 80 other folks. I would say that maybe 10 of them have credit cards. This is not unusual at all. We all travel for work and we mostly all use debit cards. My last 3 car rentals since last fall have been with my debit card. I just checked my credit score in December and didn't see anything out of sorts.

Not everyone has to have a credit card...I'm just saying...