I Do Not Have a Credit Card

Personal Stories, Advice, and Support 296 People

    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

    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
    36-40, F
    Mar 6, 2010

    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


    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

    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

    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

    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

    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
    2 Responses Aug 26, 2008

    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

    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
    Dec 22, 2011

    No credit cards. No debit cards.

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

    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
    Oct 20, 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
    2 Responses Nov 14, 2011


    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

    Never needed one possibly in the future

    but all the money I use is cash I hate cards
    deleted deleted
    3 Responses Feb 7, 2015

    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

    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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