1.5 billion credit cards in use in the United States. If your partner is one of those without a credit card and/or who prefers to use their debit card as credit then you may want to seriously investigate why. â€œIn these days and times pulling from a checking account with all of the identity theft issues is not a smart thing to do,â€ says Lockard. â€œPlus, so many credit cards offer rewards, benefits and they help you establish credit to move forward in life. It makes no sense not to have a credit card.â€ While some may just be wary of falling into the credit card trap, there are those that have no choice in the matter because they have a low credit rating and his or her applications are rejected.