You don’t need to have credit cards to live and I know many people who don’t have them.
Personally our only debt is our home mortgage and that is something we regret very much. We love our home, can make the payment witouth a problem, but we hate the feeling of owing so much to the bank. If I had to do it over again, I would have waited and saved up the cash.
If you haven’t read it already, get a copy of Your Total Money Makeover by DR. See if your library has it on cd as well as that is usually how I need to get books for my husband to “read” them.
Stick around, ask lots of questions.