Some people would not ever use a credit card; they even consider them evil. A past bad experience with credit cards may be an excuse for not wanting to use them again. If they got into heavy debt they wouldn’t want a repeat experience. 

They may have had parents who strongly taught against credit card [...]

You will find that there are several credit cards available that offer all sorts of “rewards” which are based on how often the cards are used to make any type of purchase.The credit card rewards offered come in an almost endless variety with some of the most popular ones being air miles and discounts off [...]