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I Do Not Have a Credit Card

Personal Stories, Advice, and Support 155 People

    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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    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 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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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 6 days ago

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    Have been supporting my family (single mom and elder sister) since my early twenties. Have been in gradually increasing and soul-gouging debt for the past 10-12 yrs. Finally...
    sdrew sdrew 31-35, M 1 Response Jul 2

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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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    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 1 Response a week ago

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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 1 Response 1 day ago

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    2014 Ford VCM II V86 is newly released by auto diagnostic obd center. New Version V86 WIFI VCM 2 Scanner supports WiFi, VMM and CFR. Do you wanna to know what is the new features...
    obd2 obd2 70+, F Jun 22

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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 a week ago

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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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    (turned 46) "you've always had an original point of view, son. you're willing to take on challenges and not one to settle for something just because it's easy or popular. you're a...
    berrypicker berrypicker 36-40, M 1 Response Jun 29

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    FNR key prog 4-in-1 Key programmer for Nissan Ford Renault is available. 4 in 1 FNR key prog contains for Renault key prog, for Nissan key prog, for Ford key prog and incode...
    autodiagnosticobd autodiagnosticobd 22-25, F Jun 30

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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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    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 2 Responses 3 days ago

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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 3 days ago

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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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    It's rather weird, really, my experience. Only recently did I find out WHAT my problem was, though I've had MVP and recent moderate regurgitation. But the palpitations, heart...
    EllaBooBella EllaBooBella 51-55, F Jun 26

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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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    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 6 days ago

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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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    Nice guy. Seemed lonely. Wondered if he was misdiagnosed. Helpful but not wanting to bond. Seeking praise or credit or confirmation of views.
    converted converted 46-50, M 2 Responses Jun 24

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    That awkward "I really hate to annoy you, but I really like talking to you" stage. .-. -this is from Wattpad. I take no credit for this. :)
    Conrad219 Conrad219 13-15, M Jun 24

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    After three weeks of dealing with what appears to be a case of encopresis in a ten-year-old, I have decided I have no alternative but to "crack" my daughter in the way suggested by...
    suzisatan suzisatan 31-35 1 Response Jun 30

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    This is one confusing task I'm experiencing. Sooo... I'm 20 years old, a single mother of an 18month daughter. I graduated high school and have only 7 college credits. I recently...
    KarmaLove12 KarmaLove12 18-21, F Jul 1

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    My dad was a renowned scientist. He was always obsessed with his work, it came first to him. One day while messing around with some objects I proposed that you could make some sort...
    PinkMellow PinkMellow 18-21, F 2 Responses Jul 13

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    In Canada, what SPECIFIC high school credits do you need to have in order to get into a COLLEGE for graphic design?
    himynameishikari himynameishikari 16-17, F 2 Responses 6 days ago

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    When you said i do, it was supposed to be forever. I was never going to have to walk away from you. I was never going to know the pain of losing my lover, best friend and husband...
    icandoit13 icandoit13 22-25, F 2 Responses 4 days ago

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    I have appealed to have a harmless story restored on EP, I love my books and I will write about how awesome they are giving the proper credit and citations as needed. So there eat...
    kristy31415 kristy31415 22-25, F 1 Response 16 hrs ago

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