i am studying in college, i was really excited to get my first credit card 
. i thought it will give me a sense of independence and allow me to buy things i could not afford with cash.
though, i quickly learned that credit cards can be a double edged sword. while they can be helpful in building credit, they can also lead to debt and financial trouble if not used responsibly.
it depends on your country, do you that not every country that make use of credit card to operate, in some countries you not have a credit card but you will purchase anything you feel like purchasing with cash over one or six months, and secondly with the credit card you will spend what you never expected because you are not seeing the money, i have notice that to spend money with cards is more easier than to spend with a physical cash, i will advice you to be spending with cash instead of using a credit card, but if you know it will be good for you to credit card, then you can as well go with credit card.. i thought it will give me a sense of independence and allow me to buy things i could not afford with cash.though, i quickly learned that credit cards can be a double edged sword. while they can be helpful in building credit, they can also lead to debt and financial trouble if not used responsibly.
I guess, that is something that can't be done on those countries that you mentioned where there are no credit cards. Credit cards are now high tech and they can now be connected to our smartphones to see our balances and other details. But There is something that is better than the credit card and that is the chips or microchips that are installed inside of our hand. I saw lots of videos like this lately.