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I Do Not Have a Credit Card

Personal Stories, Advice, and Support 157 People

    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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    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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    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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    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 22-25, F 2 Responses Jan 12, 2010

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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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    Related Experiences

    I currently have 3 store credit cards so I could start building my credit. After using the cards, I pay off the whole balance so I don't have to worry about the interest rates. I...
    TheQuietOne92 TheQuietOne92 18-21, F Jul 15

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    Got 100 bucks. Paid a debt. A debt i was already freed from. Got a credit card. Was told not to buy gear with it. So i spent on an online game. Got 200 bucks...
    converted converted 46-50, M Jul 4

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    hiya pm me if u want to be my wedgie slave through this kik, snapchat or skype anyway if somone called peachyall somthing sends you a request, block her straight away she is pe...
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    I am a 50 year old woman, and I've just about destroyed any hope for happiness or success in my life. For years I took care of my elderly parents. Everyone else's needs came...
    LonelyGirlOhio LonelyGirlOhio 46-50, F 2 Responses Jul 15

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    I don't want a ton of money and I don't want to be poor .. In all reality how do we really know what we need? My bank account has had 4 digits only one time in my life and it still...
    RiseAbove222 RiseAbove222 22-25, F 2 Responses Jul 21

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    Today, Auto diagnostic obd center have arrived new product "125KHZ ID Copy duplicator". 3rd Generation ID Card copier is a handheld new EL8256 low-frequency ID Copy duplicator...
    obd2 obd2 70+, F Jul 15

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    I buy cheap firefall credits at igxe.com last week. So I refer igxe.com to buy credits if you need one day.
    cyingying18 cyingying18 22-25, F 1 Response Jul 22

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    An Abney Associates Ameriprise Financial Advisor - "If you've finished college within the last few years, chances are you're paying off your student loans. What happens with your...
    marckrein marckrein 26-30, M Jul 3

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    I'm really not a bad person. I'm not. I just make terrible decisions. Really bad ones that always have the potential to hurt someone. I think something might be wrong with me. I...
    sasquatch235 sasquatch235 16-17, F Jul 4

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    Sometimes greeting cards jump out at me. Maybe the message is fitting at that particular moment. I buy the cards and keep them. I was cleaning out my room and came across this...
    akindheart akindheart 56-60, F 2 Responses Jul 1

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    Heya people! A few days ago I got some Vanguard cards. Since then I've learned most of the rules and a few things about clans and watched some episodes of Cardfight!! Vanguard. I...
    Parker33 Parker33 18-21, F Jul 13

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    for some reason i like to see peoples full names on the credits of every movie i see
    QueenPerez QueenPerez 18-21, F 1 Response a week ago

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    I usually go to the reliable site—— igxe.com to get the cheapest credits and powerleveling. It is safe and it has fast delivery.
    cyingying18 cyingying18 22-25, F 1 Response 2 days ago

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    I once got firefall credits at igxe.com and got a good service from it and you can go to try it. you'll never fell down.
    cyingying18 cyingying18 22-25, F 1 Response 2 days ago

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    All my life people give me credit for things I'm doing when I feel I could've done so much more. Can get rid of this feeling...
    Gottamakeitbig Gottamakeitbig 31-35, M 1 Response 23 hrs ago

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    Hello everyone, I've been practicing the tarot for about 4 months. I'd love to give free 1 card and 3 card spread readings for practice. Message me with your question and I'll...
    ArabellaBlythe ArabellaBlythe 22-25, F 3 Responses Jul 6

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    So last year August I lost my full time job and couldn't get another job until April this year, and even that job is a temp job. I ended up losing almost everything in my life...
    thedude5600 thedude5600 36-40, M 3 Responses Jul 18

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    The song that plays as the credits roll after the movie that was your life.I have been wrecking my brain with this one (and I got Nobody Special to thank for..:)).Finally set on...
    izzypie izzypie 36-40, F 1 Response Jul 19

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    There are a few things to keep in mind: 1. This is new, and changing. I’ll take legitimate suggestions seriously. 2. This is a sport, not a style. 3. I call it “circle boxing...
    RipperCreak RipperCreak 13-15, M 3 Responses Jul 6

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    I read tarot cards too but on my app ... I havent read them in a bit tho .. Last year one card i kept getting it had to do either with an inlaw or a neighbor i kept thinking it was...
    missyluvsmissy4me missyluvsmissy4me 41-45, F Jul 13

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    I have had POTS as a definite diagnosis for two years now, however I have had it for many years. I am 18 now, an have recently graduated May 24, 2014. During my junior year of...
    TheForestChild TheForestChild 18-21, F 1 Response 1 day ago

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    Pretty accurate too. I'm actually good at cold reading people, the cards just a tool
    annpharos21 annpharos21 36-40, F Jul 13

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    I've been using a tarot journal while on my journey to understanding and reading the cards better. I must say it does wonders for me. I record interesting spreads, ideas...
    ArabellaBlythe ArabellaBlythe 22-25, F Jul 15

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    As far back as I remember I always recall wanting to get away from the house as far as I could go. My favorite toy was one that involved transportation. Either a Big Wheel, a...
    Badtimanonymous Badtimanonymous 31-35, M Jul 6

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    I am very irritated right now. My mom... Who's just a tad bit loopy.... Has once again thrown away my tarot cards. For no reason. I think she's afraid of them. One too many...
    fairytalesandspiderwebs fairytalesandspiderwebs 18-21, F 1 Response Jul 6

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    I'm new tarot reader, I've been or acting for about 4 months or so. I would love to give free 1 and 3 card readings for practice.
    ArabellaBlythe ArabellaBlythe 22-25, F 2 Responses Jul 12

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    Hi everyone, I sell iTunes gift card worth $100 but i sell it in your offer. It helps a lot to me if you will buy it because my brother having a operation in his head an it is...
    gracegodduaghter gracegodduaghter 16-17, F a week ago

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    Hi everyone,I sell iTunes gift card worth $100 but i sell it in your offer. It helps a lot to me if you will buy it because my brother having a operation in his head an it is...
    gracegodduaghter gracegodduaghter 16-17, F a week ago

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    Hi everyone, I sell iTunes gift card worth $100 but i sell it in your offer. It helps a lot to me if you will buy it because my brother having a operation in his head an it is...
    gracegodduaghter gracegodduaghter 16-17, F 6 days ago

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    Hi everyone, I sell iTunes gift card worth $100 but i sell it in your offer. It helps a lot to me if you will buy it because my brother having a operation in his head an it is...
    gracegodduaghter gracegodduaghter 16-17, F 1 Response 6 days ago

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    I've seen many people post those '10 year olds be like...' Things and I'm sitting here thinking, what would I say in one of those. And I finally figured it out! 10 year olds be...
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    A man randomly finds a card at a store, he picks it up and it says "My favorite place to be..." and he opens the card and it says "Is where ever you are." He buys it and gives it...
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