I don't know why anyone would want to go without a credit card personally. How do you rent a car a hotel and various other things. Pay it off every month and its free. I pay 50 bucks a year for mine but my reward points offset that bigtime. As for the retailers who build their prices up 3 percent to cover the cost I have never had a 3 percent discount for paying cash. Just makes life easier as long as you don't carry a balance I don't care what my interest rate is it could be 70 percent because as long as it is paid every month the interest is 0. Alot of posts say if you can't pay cash don't buy it. I say thats true. However pay with your card get your rewards go home and pay it off online. Seems simple to me