If i think on a small scale of just myself, no i didn't faced any problem at all due to availability of credit cards. Almost everything i needed could be purchased via either credit cards or by transferring funds into paytm which surprisingly almost everyone in the country is getting familiar with. I sold my bitcoins to get paytm balance. (I've been doing this before Demonetization too)
But, on a larger scale it's true many uneducated, poor or simply others in general have faced great difficulties, I've seen very long ques formed to withdraw money at late nights, not everyone is familiar with apps like paytm and have credit cards so they highly depend on cash. But i insist on looking at the bright side, while many people have somehow "fixed" their black money still many have surrendered/lost it. I think this was the most bold and huge step taken towards stopping corruption. I speak in favor of Demonetization maybe because i haven't faced even any hardships.