Is it weird if I don’t have credit cards?

I have enough EF deposited on a bank and other on Maya and GoTyme rin (kasi mataas interest rate) enoguht for pdic insurance if ever man magsara mga yan kaya di ko inexceed talaga 😂

And I could say I have enough naman pang gastos mula sa monthly salary ko. But one conversation with my ex classmate made me think, bakit daw wala akong credit card. May sinabi pa sya about credit score para mas mapadali sa pag loan if ever I decided to get house or car or any big amounts ganyan. Di ko to gets. And may mga perks daw. Di ko na rin Napa elaborate kasi di naman yon ang main topic nung event bakit kami magkita.

Sa isip isip ko kasi if I have enough money naman to buy things on the spot why would I want to get it via credit card / loan ? Or am I missing something kasi sa circle of friends ko ako lang pala ang walang credit card kahit lazpay or shopee pay wala rin. lol.

May mga credit card that offers 0% interest rate pero may mga fees din like annual eme eme ganyan kasi syempre paano naman kikita ang bank if totally wala silang tubo sa pinautang sayo.

For context wala pa kong sariling bahay and car. Currently on apartment and daily commute pa rin ang peg since malapit lang ang workplace. I just want to know if there’s something I need to know regarding this. Hehe. Thanks.