You don't need any, but they're very useful when used responsibly.
A person could theoretically go through their whole life (in the U.S.) and not need any form of credit, but that usually requires having money or capital upfront.
If you end up wanting to do something that requires a card (and cash, check etc isn't accepted as with most online payments), then it's better to use a credit card than a debit card as you have better protections in case something goes wrong or your card is skimmed.
I’d be interested in the reason you don’t have a credit card. In my eyes, if you treat them like a debit card and don’t spend more than you have, then it’s just free money (2% cash back etc.)
These are always the first things people say when I tell them I don't have a credit card. Far as I can tell they're both completely false, at least as of recent history. I rent cars and book hotel rooms on my plain old debit card all the time.
You can rent a car with a debit cards in many cases. Avis has a page [1], but it's lacking specifics, so you probably need to call the desired rental location to verify. Enterprise seems to say they accept debit cards (with some restrictions/deposit requirements).
Doesn't seem like a can't, although it might be in some locations.
A person could theoretically go through their whole life (in the U.S.) and not need any form of credit, but that usually requires having money or capital upfront.
If you end up wanting to do something that requires a card (and cash, check etc isn't accepted as with most online payments), then it's better to use a credit card than a debit card as you have better protections in case something goes wrong or your card is skimmed.