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Credit cards are good and bad. People need them to make reservations, the business needs to have a way to charge you for their expense if you fall through on the reservation or they would lose money. Hotels use your credit card, although you can pay in cash or check (if they accept it) because they must also have a way to charge you if there is damage. Regular stores don't have a problem with cash when purchasing goods. Services are a bit different, but I have never run into one that didn't take my cash. Credit cards are bad for the reason of debt. People get into it too easily without thinking of consequences. For that, I applaud anyone who has no credit card debt. You will want a credit card on hand for businesses who descriminate - then just pay off the balance. Your credit score goes up if you have credit accounts - whether you use them or not. Perhaps a more detailed question would be helpful in getting a more detailed answer.

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Q: Why are people that refuse to use credit cards discriminated against?
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