The best thing you could do is get one. It’s foolish to spend anything with cash especially with the incentives credit cards give you. As long as your not an idiot and rack up charges on it and pay it off every month they can help you build your credit score up and they have rewards points credit cards that you can put towards almost anything.
I don’t know how the hell people do that to themselves and NOT pay it off. I have no sympathy for people that blow cash they don’t have and bitch about having an incredibly high credit card bill.