Most don't end up in a card-free situation by choice.

Credit Cards ยป More Millennials Say 'No' To Credit Cards Twenty-seven-year-old Omaha, Nebraska, resident Erin Duffy has never had -- or even wanted -- a credit card."I've been able to get along without it," she says, attributing the choice to ambivalence and a wariness of plastic her parents fostered in her during her formative years.

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Many consumers are rethinking their use of plastic after a massive cyber attack on retailers such as Target Corp and Neiman Marcus.

For most Americans, living without credit and debit cards seems inconceivable.

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