I will buy clothes on line only if i have tried them on at a store and they didnt have the color i wanted or something like that. i do use zappos once in a while when im desperate and i often times return all of the shoes once i try them on.
also while it is good not to have a credit card because then you don’t have debt it is important to establish a credit rating. i dunno how it is if you live in israel but in america if you ever need to take a mortgage or loan you will nee a credit score. Just be responsible with your credit cadr. only buy what you can pay back. for example use it only for gas and pay it back each month.