I don't understand people who don't have a credit card. I got one the day I turned 18 and I use it exclusively to build my credit rating. I try and follow a very simple principle. If I don't have the cash to be able to buy something then I simply don't buy it. I would never put something on my credit card that I couldn't pay off immediately. Obviously that changes when you're talking about a car or a house.
As for that survey, I have more than enough saved to be able to cover any sort of emergency that could crop up. If need be, with some extreme budgeting, I could raise $2000 in a month. I don't own a house though.
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