If you don't have a credit card you can't do a lot of very important things like book a hotel reservation or buy things online. A great alternative to credit cards is pre-paid debit cards. You can use one anywhere that credit cards are accepted because they are associated with credit card companies. The good part about these cards is that you only spend what you have so you don't have to worry about bills, getting charged with late fees or even having negative information reported to your credit report.