Post
Experience Project iOS Android Apps | Download EP for your Mobile Device

I Do Not Have a Credit Card

Personal Stories, Advice, and Support 312 People

    Unimportant For Me ..

    I prefer to live a simple life .. I dont need to be in debt .. I love to spend what I have at the moment and my savings but not my future money .. since future money should be used in the future .. Im satisfied with what I have right now and Its totally unimportant for me ..
    DollyDiva DollyDiva 26-30, F 1 Response Jan 12, 2010

    Your Response

    Cancel

    I don't have a bank account.

    They charge you money. It's crazy you put your money in a bank account then be charge to give them money. You are throw away your own money when your trying to save money.
    lorrena19 lorrena19 18-21, F 3 Responses Feb 7

    Your Response

    Cancel

    Debt-o-phobe

    I've never had a credit card. I was never in debt in my life until last month; I had to take out a loan if I wanted to finally make it to university. But as soon as I can get that paid off, I never plan on going in debt again. It's just not worth it for me. Sure, it makes s...
    needanewname needanewname 22-25, M Oct 6, 2009

    Your Response

    Cancel

    Have any of you read any money saving books?

    Not a how to make money book though. If so what book? I want to read one. :)
    ilovepainncma ilovepainncma 22-25, F Feb 7

    Your Response

    Cancel

    No Frequent Flyer Miles Points For Me :(

    But who cares!  my sister has one :D  I always have to ask her to use hers if i find something that I want on the net and I pay her back in cash for shipping and cost of the items.   I have to say, it really does come in handy when you're traveling though and...
    bleu2ooth bleu2ooth 26-30, F 4 Responses Jan 12, 2010

    Your Response

    Cancel

    Have Debit. No Credit Cards

    I have never owned a credit card in my life. I do have and use a debit card which is attached to a bank account. There are lots of things I would love to buy but do not have the money. The way I look at it is if I do not have the money for something it is a whole lot smarter to...
    charliew charliew 36-40, M May 17, 2011

    Your Response

    Cancel

    Nope, No Credit, Just A V Amd Mc Debit Only.

    I have Visa and MC debit cards NEVER a credit cards. Actually Credit Cards are BANNED in my house. I see CitiBank sending apps for me to apply for credit cards, I just break these up and fume. I only used Paypal for YEARS, just putting up with the 150 stores that actually were...
    jmintuck jmintuck 36-40 Oct 20, 2011

    Your Response

    Cancel

    but I need one. or at least a debit card.

    how the hell am I supposed to spend thousands of dollars on audiophile equipment online without a card? lol I'll just send them bank notes by pigeon XD
    TheCroissant TheCroissant 18-21, M Mar 8

    Your Response

    Cancel

    Never needed one possibly in the future

    but all the money I use is cash I hate cards
    deleted deleted 26-30 3 Responses Feb 7

    Your Response

    Cancel

    Don't Want One

    I have never had a credit card although one of the companies or banks, whoever is in charge, sent me one when I was ten or eleven. Even then I was tempted to dial the toll-free number on the back of the card but I thought about it, what good would that do because at that time, I...
    Dimples87 Dimples87 22-25, F 1 Response Oct 7, 2009

    Your Response

    Cancel

    Really Not Interested In Ever Having One Either..

    But who knows, my opinion could change later on..But for now I do not have a credit card, I don't really want any debt which I know I would end up in! I love to shop and if there if money to spend I definitely cannot control myself.
    CuteInChaos CuteInChaos 18-21, F Apr 13, 2011

    Your Response

    Cancel

    Don't Give A Bi-polar Woman A Credit Card....

    One of the awesome conseqences of classic mania for me was an urge to spend money belonging to any body but mine.Ok if I ran out of anybody else's money.i would spend mine too. Pretty compulsive really.Its fun but the consequences are dire.Huge bills,ruined credit... I was...
    eklectikceliac eklectikceliac 41-45, F 2 Responses Nov 3, 2011

    Your Response

    Cancel

    Been there, done it, smelt it,

    felt it and I don't want to do it again. So I refuse to have anything to do with credit cards now.
    righthanded righthanded 56-60, M 1 Response Feb 5

    Your Response

    Cancel

    I Did....

    I used to have a credit card, but when money for apartment came through two years ago, the first thing done was all debts were paid off and the credit card cut up.  I have a debit card, as I simply never carry cash around as know that would spend too much if it was that...
    deleted deleted 26-30 2 Responses Aug 26, 2008

    Your Response

    Cancel

    I Do Not Have A Credit Card

    I use to have a discover credit card.  I cut it up for personal reasons.  I lost my job at Sears when they found out.  Their policy is all employees must have a credit card.  I didn't know that policy.    I haven't used a credit card since.   I use my debit card or...
    aquarius3 aquarius3 61-65 Dec 22, 2011

    Your Response

    Cancel

    Cut Them All Up Years Ago.

    It is almost unheard of in the company I keep. I am often looked at as if the cat dragged me in from outside when I tell people I do not have a credit card. "They often ask: How on earth do you manage to travel so extensively, maintain your lifestyle, or even conduct business...
    deleted deleted 26-30 2 Responses Nov 14, 2011

    Your Response

    Cancel

    Nor Do I Wish to Have One

    I don't have a debit or credit card through choice. My mother didn't teach me much but one thing she did teach me was that if I can't pay for it now I can't have it - end of discussion. I never get anything on credit because I don't know whats around the corner, the money might...
    AWUK AWUK 26-30, F 9 Responses Jun 9, 2008

    Your Response

    Cancel

    Nor Will I Ever

    I refuse to get a credit card. I have seen way too many otherwise responsible people go overboard and lose control of their spending OR get shafted hardcore by the credit card companies. When I want something, I save up for it. Takes me longer to aquire whatever it is that I...
    SpiritOfTheRabbit SpiritOfTheRabbit 31-35, F Mar 6, 2010

    Your Response

    Cancel

    No credit cards. No debit cards.

    No store cards. And life is good:)
    picklebobble picklebobble 46-50, M Feb 7

    Your Response

    Cancel

    Hm.

    Seeing as I have no credit, no one will give me one. Basically got to go for secured or nothing and I'm totally not dumping money into a secured card right now. One day I'll need credit for something and I'll get screwed over for never having a credit card. What if I need a car...
    Babycakesx Babycakesx 18-21, F 2 Responses Oct 2, 2011

    Your Response

    Cancel

    Never Owned One Yet

    and maybe that is a good thing cuz I probably would have gone bust on clothing and non-sensicle stuff I was buying a few years back and I will admit I was addicted to ebay and laybys and buying stuff all the time... for about 5 years between 2003-2008 I went stupid buying...
    czaristacrystals czaristacrystals 36-40, F Oct 29, 2011

    Your Response

    Cancel

    Related Experiences

    It happened very quickly; two and a half hours. And it's not that I regret what happened, or wish I could take it back. It simply happened. I spent a lot of time imagining it all...
    wanderquietly wanderquietly 18-21, F 3 Responses 6 hrs ago

    Your Response

    Cancel
    I have been friends with this girl (let’s call her Squirrel) for about 20 years. And she is the most selfish, self-centered person on the planet! She only cares about herself...
    jennythedreadful jennythedreadful 26-30, F 1 Response 21 hrs ago

    Your Response

    Cancel
    "Chopper" - Lupe Fiasco "Embrace the contradiction, you'll feel us. RIP to the homies but long live the killers. That's why I look at God kind of odd, because these are the cards...
    kiki2016 kiki2016 26-30, F 1 Response 23 hrs ago

    Your Response

    Cancel
    I met this Italian lady (29 now) 2 years ago when visiting a friend. We were both struck by lightning and fell in love with each other though we did not mention it at the time. She...
    DutchDaniel DutchDaniel 26-30, M 5 Responses 1 day ago

    Your Response

    Cancel
    Last night, I dreamt I was in a card game cafe. My girlfriend was there as well as the members of Nickelback. I was sitting at a table with my head down, sleeping. They sang a song...
    SylvieKitty1015 SylvieKitty1015 18-21, F 2 Responses 2 days ago

    Your Response

    Cancel
    It's been a long road of many ups and downs. The excitement of the hopes and maybes. The sadness of the what ifs and negative results. All the work put in to eat this and that...
    St4rbright St4rbright 26-30, F 2 days ago

    Your Response

    Cancel
    How can I get my fiance to get on board with saving for a house? he wants a house, but doesn't want to start saving, getting his credit started, or want to hear about my plans on...
    noncomm noncomm 22-25, F 1 Response 4 days ago

    Your Response

    Cancel
    I was thinking tonight on the idea that I am in control of my life. Am I really, though....are any of us? When something unexpected happens that "control" is nothing more than an...
    Ravenwind43 Ravenwind43 41-45, F 2 Responses 6 days ago

    Your Response

    Cancel
    A mortal conducts spiritual economics in his or her life, amassing credit and debt. Tell me, Dear Reader, how indebted are you by now? How vast the imbalance between good deeds...
    WripTyde WripTyde 46-50, M 2 Responses 6 days ago

    Your Response

    Cancel
    Over many years I have gained some valuable information. It doesn't matter of how you look like to people, just to you. That might seem kinda hard because everyone's opinion...
    DavidHamilton1 DavidHamilton1 16-17, M 1 Response a week ago

    Your Response

    Cancel
    I'm looking for someone to read cards with. Anybody interested?
    Owlfoxwarrior Owlfoxwarrior 26-30, F 1 Response a week ago

    Your Response

    Cancel
    I am a 68 year old business man in Ireland. One year ago I was diagnosed with Atrial Afib with long pauses.I acatually fell and had a bang on the back of my skull. My CT was...
    DEMO1947 DEMO1947 66-70, M Aug 25

    Your Response

    Cancel
    Muchas personas se preguntan por qué nunca parece tener nada de dinero. Ellos saben que ganan un ingreso decente, pero nunca parece tener ningún dinero sobrante...
    creditosrapidos10min creditosrapidos10min 26-30, M Aug 25

    Your Response

    Cancel
    (Image credit: https://commons.wikimedia.org/wiki/User:Kokin)(Image credit: https://commons.wikimedia.org/wiki/Special:Contributions/Barbaralv8)I created this group cuz I came...
    LordJackass LordJackass 18-21, M 1 Response Aug 24

    Your Response

    Cancel
    I spent my summer working as a gymnastics coach. I worked with 3-6 year olds a few hours a week, and in return the gym owner credited my account $9 an hour. I love working there.
    Elly2020 Elly2020 13-15, F Aug 24

    Your Response

    Cancel
    Since I am a little girl I remember that I had difficulty making friends. When I was growing up I always had just one friend that I would not separate of, but that friendships...
    MRX45 MRX45 18-21, F 3 Responses Aug 23

    Your Response

    Cancel
    My Fake Mother is extremely lazy and constantly stresses that she has to do everything in the house, taking all the credit, when I'm the one who does all of the work, in regards to...
    ONESTARRYSTARRYNIGHT ONESTARRYSTARRYNIGHT 26-30, F Aug 22

    Your Response

    Cancel
    My head has been hurting for the past 24 hours non-stop. I must've taken in about 14 ibuprofen, and I believe I know the cause of my headache, stomach virus, and extremely bad...
    ONESTARRYSTARRYNIGHT ONESTARRYSTARRYNIGHT 26-30, F 2 Responses Aug 22

    Your Response

    Cancel
    From noon till the hour of my witching.I work twelve hours a day times five, so long of one hundred and sixty eight hours consecutively stacked hours times two, exactly one half...
    LadyGallivanter LadyGallivanter 41-45, F 2 Responses Aug 22

    Your Response

    Cancel
    My BFF's brother has a marijuana card because weed helps with his sleeping disorder, so there's always weed at my friends house. Yesterday, my BFF told me that he had smoked weed...
    hiddenkitty hiddenkitty 18-21, F Aug 21

    Your Response

    Cancel
    I do not like their high interest rates!
    StreetgirlnamedDesire504 StreetgirlnamedDesire504 36-40 Aug 20

    Your Response

    Cancel
    when they muck.up. which is nrver. i mean Never.
    Sa0nZ Sa0nZ 18-21, M Aug 19

    Your Response

    Cancel