Hey, I've travelled all round South East Asia for 3 months and I've now been in Oz for 8....don't have a credit card and I've survived. There was obviously some times when I'd wished I'd had one but I'm now glad that I don't. I met a girl who did the same trip as me and she is now in 5K of debt!!
Steer clear - your mates or family wil alwaays hepl out if the worst happens!