Yes it will.
I know a few people who avoided credit cards well into their 20s. They ran into trouble with credit checks for renting apartments and buying cars. Imagine being nearly 30 years old with a good income and no debts, but needing to ask your parents to cosign on a car loan simply because you have no credit history of any kind. That does happen.
source: dave ramsey.
Dave Ramsey caters to people who need unusually strict financial discipline to avoid getting in trouble. For everyone else, responsibly using debt is often better than paying cash.
For example, paying cash for a car is often worse than taking a low-interest loan. Liquidity is important -- locking up a bunch of money in a car means you can't use it for other things, like investments or emergency savings.
Another example: taking out a loan for a large purchase, rather than liquidating investments to pay cash, can cost less overall because the interest paid on the loan might be lower than the capital gains taxes on the investments.