Well, I wouldn't call it problems, problems, but you will find yourself paying deposits for a lot of things. I have that problem. I don't have a credit card, and due to certain circumstances, I haven't had to pay bills or anything of that sort yet, so I don't have credit history and that's why they told me at AT&T that I had to pay $500 of deposit (which sucks). So now I'm trying to find ways to build credit history. Next semester I'll start having bills on my name and I'm considering trying to get one of those training credit cards to pay small things (a book, one week's groceries, dinner at a restaurant, etc.). I still need to figure out how that works exactly, though.
I hate credit cards. I have one that I got from my bank in my country to use when I travel abroad and to pay plane tickets (it has an additional insurance). But that's the only time I use it. I've had it for several years already and I don't like using it unless absolutely necessary. I think credit cards' evil side is way bigger than their good side. Plus, if I don't have the money, why should I spend it?. I don't think I should be penalized for not having a credit card. It means I don't spend more than what I have.