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I Do Not Have a Credit Card

Personal Stories, Advice, and Support 159 People

    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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 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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    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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    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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    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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    At work i call people to ask for the expiry dates of their credit cards but "can i have your expiry date" comes out instead
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    Rmhkp2 Rmhkp2 26-30, F a week ago

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    If people want virtual kicks why don't they just get out their credit cards and call the relevant agencies or visit forums specifically designed for that sort of thing instead of...
    Prerapher Prerapher 46-50, F 2 Responses 3 days ago

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    So my folks weren't financially intelligent nor did the bother warning me not to mess up my credit. I'm 31 now and my late teens and twenties are chock full of bad credit and...
    newasexy newasexy 26-30, F Nov 26

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    So I was reading cards about these Ferguson riots. I in no way condone this. I mean no one will ever know what really happened. But I do know this. Every time I read cards on...
    orcore orcore 36-40, F Nov 29

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    I have done many thing I have regretted but there is nothing you can do about them. I have done jail time I got fair and square, I killed a man, stole, hurt, and I am sad to say...
    dailyguyboyjr dailyguyboyjr 22-25, M 5 Responses Dec 6

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    My biological father, I have rare communication with sent me a birthday card, second year in a row. He has no idea how happy it makes me, tears of joy. So I just sent his Christmas...
    BPDSAM23 BPDSAM23 26-30, F Dec 5

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    I can't believe there is an EP group for this!!! I don't believe in heaven.. or hell....I don't believe in the devil... I don't believe that nature is where we live after we die or...
    snowbabe3 snowbabe3 22-25, F 2 Responses Dec 13

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    I was playing cards against humanity with some good friends and the card that was played down said "what is that smell" everyone else played a card that would actually smell and a...
    Jwolf1342 Jwolf1342 18-21, M 1 day ago

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    5 Tips for First-Time Home Buyers Since Cathford Group Credit Inc. is feeling extra generous at this time of the year, here are a couple of tips we've rounded up to help first...
    russelljames russelljames 22-25, M 3 days ago

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    Writing out all the christmas cards! My hand will be hurting extremely by the time I am done but I love sending cards, especially since we are so far from family and friends!
    Nannyxd Nannyxd 18-21, F Dec 7

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    This is about a recent occurrence and a reminder from my spirit guides via cards. I speak to no one around me about this hence why I've come online to vent. We have been apart...
    topsykrit topsykrit 18-21, F Dec 10

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    More or less... I've recently started online trading to make some extra money. I sell all kinds of stuff, but postcards are my favorite. To make the card look more interesting I...
    deleted deleted 26-30 Nov 22

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    Can't wait to send it Christmas cards with a personal letter this year! Its my favorite part of the holidays, just showing I care is simple and enough.
    Nannyxd Nannyxd 18-21, F 1 Response Nov 24

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    I am so addicted to house of cards . This couple is unbreakable !
    yingzilin yingzilin 22-25, F Nov 27

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    My husband used my debit card to go to the bars when I gave it to him to get food. He would say that he was going to go grocery shopping. Then wouldn't come home til late at night...
    wendymrtns wendymrtns 36-40, F Dec 6

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    I did it , I got up the courage to leave a Xmas card on Jordan's desk this morning. I wrote :- To Jordan Have a happy Xmas and a great new year Love Kelly x And I wrote my...
    kellywedgieknickers kellywedgieknickers 18-21, F 1 Response Dec 10

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    So I went to the elementary school with my sister, her boyfriend, and my nephew for a movie event. My Tourettes was acting up while I was there to the point I had a tic where my...
    MlNUET MlNUET 22-25, F 1 Response Dec 12

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    And tonight, they're both in my room... We've listened to Satyaa & Pari and "meditated" on my bed, before turning to bollywood songs just for the fun of it. Of course we listened...
    Injoy1767 Injoy1767 46-50, F 2 Responses Dec 12

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    I love her enough to care and constantly worry about her but at the same time I cannot stand her inability to feel empathy for anyone. Even her brother who constantly gives up his...
    booboofuck booboofuck 22-25 2 Responses 4 days ago

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    It all started in September of 2014. I knew my body wasn't acting normally and of course no one believed me. I went through 3 hour practices each day and working on the weekends. I...
    autum25 autum25 18-21, F 4 days ago

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    So it's the season of good will. I planned to visit my grandparents this year for Xmas. They decided to invite my mum. Anyho I planned to buy Xmas presents months ago for the 15...
    lilygeorge12 lilygeorge12 22-25, F 1 day ago

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    I suppose I do. Life keep putting up hurdles, yet I keep on going somehow. I don't know how but I do. I'm probably more stoic than I give myself credit for.
    Reallifeperson Reallifeperson 22-25, M Nov 23

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    Songwriters deserve way more credit.
    AEHeroine AEHeroine 18-21, F Dec 5

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    Christmas is like your job; you do all the work and some fat guy in a suit gets all the credit...
    AntonioV AntonioV 46-50, M 2 Responses 1 day ago

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    I had a rotten dad that was "there" but we all wished he wasn't, because all he did was yell, and beat us with belts and put us down. But because he stayed and "took care of us...
    borielis borielis 61-65, M Nov 30

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    My parents are both wonderful people. It isn't that they don't have time for me (which it kinda is actually) but my sister has lupus, shes 32 and I'm 22....she's been sick since...
    FeelAgain FeelAgain 22-25, F Dec 2

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    I tend to become short tempered when things are not organized and spotless. But i hardley ever have time to keep things clean. So things may get a little out of hand on occasions...
    Yourguy64 Yourguy64 18-21, M Dec 3

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    Well i have a nice boyfriend but hes always playing videogames with his friends so i never see him i just sleep in his room all day. I have only 29 "friends" on facebook who never...
    thatfatgirl96 thatfatgirl96 16-17 2 Responses Dec 3