Dont have any a credit card, is it nowadays becoming from necessary to an essential widget?

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I feel really awkward while I tend to get calls offering credit cards, the situation turns more embarrassing when a peer is amazed and replies with raised eyebrows - 'Bro u dont have credit card .... !!!!" . Firsthand I don`t believe in buying something that I cant afford while it comes to any luxury except cars or properties which cant be bought with a credit card rather I would prefer homeloans. Another cause of my apprehension is while offering the card , banks tend to explain something different but while they charge interest it never aligns the same rate of interest/conditions as they mentioned before. Do u use credit cards - pls share any of your unpleasant experiences ever or should u describe that as useful , cite an example...