First off...welcome to FT!
Now, on to your question(s)
Originally Posted by
MrTraveler
I am debt free, and don't have or want a credit card. .
My only advice is if you're dead set on this philosophy, it's going to take you a LONG time to accumulate miles/points of any significance. One does not need to carry any balances in the credit card game. In fact it would be foolish to do so.