It's a simple truism about this modern world that you do actually need to have a credit card. There are simply so many things you cannot do without one: like buying something online. This means that whatever your credit rating you need to find some way of getting hold of one of these pieces of plastic. It might be a debit card or a pre-paid card, but a card of some type you will need.
Which brings with it its own problems, for when offered credit it is all too easy to use it all and find oneself owing more than you can afford.
Which is why this little credit card guide seems to useful. Have a look through their different articles but I was taken with this one on how you go about choosing the right credit card and then this one discussing which types of credit cards are available.
If you need more information on this both necessary and vexsing subject I strongly suggest you click through one ofthose links to get more information.