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I Do Not Have a Credit Card

Personal Stories, Advice, and Support 295 People

    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

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    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

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    but my bf does haha and I'm gonna use it to buy

    myself some new shoes and outfits and accessories to help me feel better.
    CheatingTracy CheatingTracy 22-25, F 6 Responses Feb 6

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    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

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    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

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    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

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    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 2 Responses Jan 12, 2010

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    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

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    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

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    Never needed one possibly in the future

    but all the money I use is cash I hate cards
    Jusjellybean Jusjellybean 18-21, F 3 Responses Feb 7

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    Never Had One

    I never had one because I can' seem to get a long-term job to be able to pay for stuff I want to buy from the stores; also I don't think I"ll ever want one because I don't like the idea of buying, and waiting few weeks for the bill to arrive to pay it. I prefer to...
    LittleLena LittleLena 36-40, F Oct 21, 2009

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    No credit cards. No debit cards.

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

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    Related Experiences

    I don't ever want a credit card. I don't ever want a bank account because banks take out your money. You can have $700 in a account. You don't remove money out the account yet. You...
    lorrena19 lorrena19 18-21, F 2 Responses May 14

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    If a telemarketer calls, you could ask them what they'd like on their pizza. Or you could ask them to state their name, adress, and credit card number after the beep. Or you could...
    NarutoShippudenFanGirl NarutoShippudenFanGirl 13-15, F May 8

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    I just won an all inclusive trip to the liquor store . . ..sponsored by my boss' stolen credit card!
    woodyinya woodyinya 56-60, M May 10

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    I have a little bit of a different experience that use to happen to me, thank god i finally got out of the house and got my own life and i have never been so happy and so "free...
    link9us link9us 26-30, M 1 Response May 3

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    Going through old stuff, found yugioh cards. I've gone through about 300 cards so far. Valued at $575 roughly. 40 of them made up about $200.. Oh eBay!!!
    TheAmazinglyAwkwardSpiderJoe1 TheAmazinglyAwkwardSpiderJoe1 18-21, M 18 hrs ago

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    I had a few friends over last night and two of them asked about 50 times if I could do there cards, normally I always do cards for people but my one rule is no health questions. My...
    Fullofsunshine Fullofsunshine 26-30, F 3 Responses May 1

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    feather weight touch on leg and strange hand written message on card: a mere coincidence?Last night at work, tired and exhausted, sitting on an arm chair, I sat back in the chair...
    shaandar shaandar 31-35, F 2 Responses May 7

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    PSD100-WIFI is Nova Asynchronous Card, It has the following characteristics: (1) Remote publish play-program; (2) Remote Monitoring the current play information; (3...
    zmzmllll zmzmllll 26-30, F 5 days ago

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    Novastar U16 Single Color USB LED Control Card for single color and double color led display signs ● Interface type: USB flash disk ● Capacity: monochrome 16k, bi-color 8k...
    zmzmllll zmzmllll 26-30, F May 12

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    "Booksmart" "You don't use your brain" "Do not make decisions on your own anymore, ask me before you do anything" "F*** U" "Stupid" "Lazy" And that's not even half of it. I can...
    DearYou DearYou 22-25, F 1 Response Apr 25

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    I did...my Mother was the epitome of authority and was quite good at displaying her apparent superiority over me and my siblings. I always tried to be good and please her, a lot...
    MistyGoddess MistyGoddess 41-45, F 6 Responses May 10

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    I found an artistically disturbing deck I've never seen firsthand before. Maybe I should say that a new deck has found me. Someone's very old deck found it's way into a Goodwill...
    JohnnyQDoe JohnnyQDoe 51-55 3 Responses May 16

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    "Erase / Rewind" The Cardigans Hey, what did you hear me say you know the difference it makes what did you hear me say Yes, I said it's fine before I don't think so no more I...
    deleted deleted 26-30 Apr 29

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    my favprite clan so far is the sub-clan ancient dragons. i got tyrannolegend over 35000 power 2 crits by himself with no triggers or other card effect than his own, no boosting...
    alienseeker101 alienseeker101 18-21, M 1 Response Apr 30

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    The St. Louis CARDINALS!!!! 22-7!!! The only team in MLB above .700!!!
    johnstlouis johnstlouis 56-60, M May 9

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    I love shuffling my cards and reading for other people, but I never really get a chance to. and I hate reading for myself, because I just get more confused
    maddikaylin maddikaylin 18-21, F 5 Responses May 10

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    Really would like to brush up on some old cards. If anyone would like a reading please let me know!!!
    Fullofsunshine Fullofsunshine 26-30, F 2 Responses May 10

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    I was 36 and a nontraditional college student, but I got carded at our Native-owned local casino. Ridiculous, seeing how my eldest son was 18 and they always let him in!
    Simpfan Simpfan 56-60, F 3 days ago

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    Today I had to take the shuttle bus because the street car as per usual was down. In front of me was a good looking mid thirties businessman and I was standing right in front of...
    Alextheauthor Alextheauthor 31-35, M 2 Responses Apr 29