No they are not and if your luck sucks without credit cards, then you have a problem beyond that.
Even worse, the banks are more likely to target white people. Black folks complain about not getting credit and that's not because of racism....its because the fact is that when a black person finds out they are screwed...they'll usually say "fuck that crackers" and never send a dime, let their home foreclose or etc and would not give a shit about how many collection calls they get
White people on the other hand will continue to pay because they feel "obligated" and a duty to pay off what they owe and they'll continue to throw their hard earned cash down a bottomless hole.
Are you white??? Well that's just perfectly alright when it comes to banks
Seems the blacks have made all white credit bad.