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I Do Not Have a Credit Card

Personal Stories, Advice, and Support 284 People

    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

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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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    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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    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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    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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    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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    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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    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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    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 needed one possibly in the future

    but all the money I use is cash I hate cards
    Jusjellybean Jusjellybean 18-21, F 3 Responses Feb 7

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    No credit cards. No debit cards.

    No store cards. And life is good:)
    picklebobble picklebobble 46-50, M Feb 7

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    but my bf does haha and I'm gonna use it to buy

    myself some new shoes and outfits and accessories to help me feel better.
    CheatingTracy CheatingTracy 22-25, F 6 Responses Feb 6

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    Been there, done it, smelt it,

    felt it and I don't want to do it again. So I refuse to have anything to do with credit cards now.
    righthanded righthanded 56-60, M 1 Response Feb 5

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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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    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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    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

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    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

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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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    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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    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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    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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    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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    Mistake #73523: I once agreed to go out on a date with a woman that my mother had set me up with because she thought we'd be perfect for each other. Three weeks later I was given...
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    Lynn Bates (aliases Lynn Jones, Lynn Bates Jones, Beverly Jones) is a con artist living in Connecticut. Her victims are mostly men, but she is a good enough confabulator and...
    VictimofLynn VictimofLynn 56-60, M Apr 3

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    We live in a kinda rundown condo While me and my mom is on our way to our unit, we passed by a bit of crowd in one of the units A girl with covered face squeezed herself inside a...
    Chiscuit Chiscuit 26-30, F Apr 9

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    i was humiliated and threatend by a teacher once when i was 14, infront of a girl i liked very much at that time. because i gave her a greeting card for her birthday. for a few...
    Camouflage Camouflage 22-25, M 4 Responses 22 hrs ago

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    I have a question. I just found out that my T-mobile account went to collections for 350 dollars. There is no way that I can pay that right now and they said they are going to send...
    elnleah elnleah 22-25, F 1 Response Mar 28

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    It's taken me a long time to get around to writing this letter. I've been putting it off for years, to be honest. I suppose that I was waiting for you to get in touch with me. An...
    courtney24850 courtney24850 22-25, F 2 Responses Apr 14

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    Cards Against Humanity is a party game for horrible people. Each round, one player asks a question from a Black Card, and everyone else answers with their funniest White Card. I...
    MsInvis MsInvis 46-50, F 4 Responses 6 days ago

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    I am still in a green card marriage. I love him and I believe he loves me. He often travels back to Europe for work because we need the money. I just landed a great job which I...
    reydog reydog 46-50, F Apr 11

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    When you are successful, You get credit more than you deserve. When you fail, You are not credited for even things you earn.I think the world follows Newton's conservation law...
    deleted deleted 26-30 Apr 7

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    My ex wife came from a family with money. I came from a blue collar family that barely scraped by. Sometimes two great people can make monsters out of each other. We divorced in 20...
    cbcs cbcs 31-35, M 1 Response 3 days ago

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    quirkygirl520 quirkygirl520 22-25, F 1 Response Apr 7

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    I'm actually 13 and just lost my v-card to my 15 year old boyfriend two days ago at a party with 6 other "sleeping" people in the room was great! Felt no pain didn't bleed but...
    mady3 mady3 31-35, F Mar 31

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    report cards come out today and I did not do well in two classes. I know my mom or dad will spank me for it. I hope not both
    tonyaoneal18 tonyaoneal18 26-30, F 2 Responses 4 days ago

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    The power of words became clear to me years back when I was met with a crisis. In my job, I was faced with many ambiguities. Worse, I was grieving then, and it seemed the people I...
    stiltcourt stiltcourt 41-45, F 1 Response Mar 29

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    Observation part 1 Women bashes men gets praised Man bashes women (which is rare ) everyone starts playing the sexists card (lol much like the alleged race card )
    Princeofnothing Princeofnothing 18-21, M 2 Responses Apr 8

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    It wasn't just a game it was my son's bachelor party. I've only been to one game in St Louis. His future brother in Law drove me and my son's best man, etc. We drove straight...
    steverick steverick 56-60, M 1 Response Apr 10

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    :) Time for my story as an Amritdhaari Gursikh! 9 years since I been baptised in Sikh faith and not once regretted it. So is there any really a story to tell? Before rolling yer...
    Sazzio Sazzio 26-30, M Apr 11

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