G'day mrsd and Brian!
You're not alone, Brian. I don't like credit either. Many reasons. No internet banking either. I think we're a cautious lot. I ended up getting a visa debit card rather than a credit card. Works exactly the same way except that it's not credit, only uses money that I have in account. Works for all the same things a credit card would work for though. They used to be very hard to get, with banks preferring people get credit and make a fortune out of their customers and give absolutely nothing in return. Banks are almost giving away credit cards here and targeting people who just shouldn't be getting them.

You go to a bank to get robbed around here. I think I've only used it online once to order a TS dvd for someone in NZ who didn't have a credit card lol