What you say is probably true, but there are two reasons that I specifically don’t want a credit card.

The first is a general point; I don’t approve of the way they are marketed to people who don’t have much money and may be tempted to spend what they don’t have. This makes them only fractionally better than loan sharks in my mind. As an example of this, when I went for a meeting with an HSBC advisor to set up my ISA this summer, the woman kept asking me if I wanted to sign up for a credit card even though she had my balance (-£1350ish at that point) in front of her. In fact, even after I’d told her that I never want to have a credit card because I don’t like them, she kept suggesting one and I saw her pencilling “credit card” into the notes for my next meeting.

The second reason I don’t want one is specific to me. I’m not terribly organised, so my preferred way to deal with money is to always check my balance before taking money out of a cashpoint. I don’t want a credit card in case I buy stuff with it and then forget.