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.

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