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Moreover, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, or CARD Act, made it harder for anyone under 21 to get a credit card.

There's also a more straightforward reason why a majority of millennials aren't carrying the payment method: Many, like Duffy, just don't want credit cards."I don't really feel like there's a need for one in the way I live my life," says Melissa Pileiro, a 24-year-old resident of Vineland, New Jersey.

Credit Cards » 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.

"I've liked being able to pay for things as I go, not having to worry about missing a bill."Duffy's decision to live without credit cards is more common than you may think.

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A secured credit card is the best tool for rebuilding damaged credit. They report information to the major credit bureaus every month.

Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Furthermore, these statistics speak to the overall popularity of credit as a spending vehicle.

The number of credit cards from the four primary credit card networks (i.e.

A whopping 63 percent of millennials (ages 18 to 29) don't have a credit card, according to a survey commissioned by Bankrate and compiled by Princeton Survey Research Associates International.

Comparatively, only 35 percent of adults 30 and over don't have credit cards.

Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.Furthermore, these statistics speak to the overall popularity of credit as a spending vehicle.The number of credit cards from the four primary credit card networks (i.e.A whopping 63 percent of millennials (ages 18 to 29) don't have a credit card, according to a survey commissioned by Bankrate and compiled by Princeton Survey Research Associates International.Comparatively, only 35 percent of adults 30 and over don't have credit cards.VISA, Master Card, American Express, and Discover) is 636 million.*Figures are classified as projections when actual data from a particular year are not yet available.