> You could just use a debit card. Debit cards are the worst of all options. Any fraud means the money is immediately gone from your account. Yes you can often

> You could just use a debit card. Debit cards are the worst of all options. Any fraud means the money is immediately gone from your account. Yes you can often get it back eventually, but eventually takes time. > I don't need any credit and getting credit registered against my name will make it more difficult to get a mortgage. If you're planning on getting a mortgage I suggest studying up on this, because reality is the opposite of what you say. An important factor in your credit score is how much credit you have that you don't use. So what you want is lots of credit cards with very high limits to maximize your credit score.