In the UK, having a credit card is an overwhelmingly good move even if you never use the facility for credit. You can set up a direct debit to pay it off in full every month, making it effectively a debit card, but you get what are known as Section 75 protections on all purchases. So if you’re buying online and the firm goes bust (or you for any other reason don’t receive your goods), the credit card firm has to compensate you in full. For this reason I always make larger online purchases on credit card.

For many, obtaining a credit card just for the purposes of age verification, and not using it for shopping, feels easier than giving away their legal identifying information to a random third party.

In the US you're usually inundated with offers to open a credit card (often pre-approved) right in your mailbox. Even if you're a poor recent immigrant, or something.

20% of Americans don’t have a credit card

You must live in an especially civilized place to be able to get by without a credit score. I wish I could close all my cards, but doing so would harm the score since card count and age are part of it.

Credit cards are a sign of poverty? Now that's a hot take.

I feel in Europe having a credit card means the complete opposite, only "rich" people have credit cards.

I have a credit card, I use it, I pay it off every month. Why am I seen as poor just because I have a credit card? It's just a tool. It spares me from needing to maintain a 10000$ emergency fund in my checking account.