[M2Ys4U]

Mid-thirties Brit here. I've never owned a credit card, neither has my partner.

All of our card transactions are with a debit card.

I've never needed instant-access debt so it's not really an attractive proposition. Perhaps the added consumer protection rules could be worth it, but it's not been an issue to date.

[enos_feedler]

Depending on your annual spend you could be missing out on one or more free trips per year in airline and hotel points.