Are you kidding me? I am a millennial with a house mortgage, if...

Are you kidding me? I am a millennial with a house mortgage, if i don't use my credit card i will never be able to pay anything on time. Unless you are a high ranking with high paying jobs everybody uses a credit card. Surgeons do as do lawyers. So i don't know what you are talking about, you must have a rich father who happens to have a rich father as well that you don't need a credit card. Good on you for being rich