I find that there are more benefits to using a credit card and paying it off every month than just plain cash. For one thing, I earn bonuses and have flown for free all over the country using them. Second of all, if there is a dispute it gives me far more leverage. Third, in a number of cases it offers me a better warranty. There is nothing inherently wrong with credit cards as long as they are used responsibly. I ALWAYS pay it off every month so I never pay any interest or fees to use it. It saves me from always hitting the ATM machine, many of which charge an obscene amount of money to use. I can get reimbursed for the fees through my credit union but it's always a pain to have to always enter in the amount of fees I pay for a transaction. I can also use my ATM card, but the protections on credit cards are far better than those of ATM cards. It's a lot easier to deal with someone getting my credit card number than if someone somehow steals my ATM card number and PIN, which has happened at a number of places in my area. One of the big grocery stores in my area had someone running a scam where they were stealing the ATM card numbers and PIN numbers and it's also happened at a number of gas stations and even ATM machines.
The few times I have had my credit card number stolen and used I never paid a cent in fees or anything else.
The credit score is based on credit. My score was quite high even though I never carried a balance and did not have any outstanding loans. Credit scores, sadly, do not look at savings. Years ago when I went to buy a house I had no problems getting a rather large loan at the time even though I had never had any other loan before in part due to my credit card usage because I always paid cash for my cars.
In time I eventually paid off my house. When I went to get my new car I ran the numbers and with the insanely low interest rates it was far more economical for me to get a loan for the car than to pay cash. Since the loan is at around 2% all I have to do is see if I can do better than 2% with my savings. If I can do that then I'm ahead and it makes more sense to get a loan.
Even though I have a lot of savings I use my credit card for most things. By paying it off every month I get all of the benefits without the downsides. Debt is not always bad. I could pay off my debt in an instant but it makes more economic sense not to as long as my savings is growing at a faster rate.