I Do Not Have a Credit Card

Personal Stories, Advice, and Support 299 People

    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

    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

    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

    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

    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, 2015

    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

    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

    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, 2015

    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

    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
    1 Response Oct 2, 2011

    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

    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

    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

    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
    66-70
    Dec 22, 2011

    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
    26-30, F
    1 Response Oct 7, 2009

    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, 2015

    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
    41-45, M
    May 17, 2011

    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, 2015

    No credit cards. No debit cards.

    No store cards. And life is good:)
    picklebobble picklebobble
    51-55, M
    Feb 7, 2015

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