In the UK, having a credit card is an overwhelmingly good move even if you never use the facility for credit. You can set up a direct debit to pay it off in full every month, making it effectively a debit card, but you get what are known as Section 75 protections on all purchases. So if you’re buying online and the firm goes bust (or you for any other reason don’t receive your goods), the credit card firm has to compensate you in full. For this reason I always make larger online purchases on credit card.