Credit cards are a huge scam. Their sole purpose is to put your money in somebody else's pocket. You are very wise to not have or want one. If you can't get it without a credit card, you don't need it. There are always alternatives.

Becoming car free is part of a comprehensive plan to simplify my life and bring my lifestyle into line with my ideology. A couple of other elements of that plan are being bank-free and credit card-free. Some say I'm a fool. I say they are the fools.

We who once were fools and dreamers, then shall be the brave and wise.
There amidst the world new-builded shall our earthly deeds abide,
Though our names be all forgotten, and the tale of how we died.

--William Morris 1885