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I Do Not Have a Credit Card

Personal Stories, Advice, and Support 148 People

    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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    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 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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    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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    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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    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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    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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    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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    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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    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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    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 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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    Related Experiences

    Well just a mastercard. But I still don't have a job because I'm still a student. So what I earn from my parents the rest of it I put it on my mastercard or give it back to my mom...
    patooooots patooooots 18-21, F Mar 31

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    Initial you're want to a card. I have Several Credit cards, but none of them I oftentimes tried with regard to online dealings. Precisely why? I've been a sufferer associated with...
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    6 months, 377 applications sent, 18 weeks of unemployment, 3 in-person interviews and 1 lump sum severance check later, I, Jai Ferrell, a 10-year entertainment marketing...
    jaiferrell jaiferrell 26-30, F 1 Response Apr 11

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    i have my own facebook page and some odd reason im able to boost my photo to get more likes and views on my page and i have not put a credit card or whatever to do so is there any...
    undeaddreamer undeaddreamer 16-17, F 10 hrs ago

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    Life is full of surprises, irony and twists, and one night at work I had one in mine. A few years ago after a satisfying Easter dinner with my family, I set off for an overtime...
    Justint2014 Justint2014 31-35, M Mar 24

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    Ok so i took that quiz. It wasnt right. I'm two different cards. Queen of swords and high priestess. The quiz said i was strength, im nothing like this card i never even pull it...
    Ravenfairie Ravenfairie 31-35, F 1 day ago

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    I really like tarot cards. I haven't used mine in a few months unfortunately. And I'd love to get better at it. My mother is very religious, to a sometimes hilarious point. And she...
    fairytalesandspiderwebs fairytalesandspiderwebs 18-21, F 3 Responses a week ago

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    I got spanked today for getting bad grades at school. I got out my report card last week and as soon as I saw it i knew i will be spanked hard, so i decided to hide it from my mom...
    leaklog leaklog 18-21, M 1 Response Apr 2

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    Mine's the Magician.The Magician, represents those aspects of the personality traditionally considered "masculine". He is in control. He knows how things work. He takes action and...
    CastDownChloe CastDownChloe 22-25, F Apr 4

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    I would like to learn how to read Tarot Cards. Most people say it's pretty easy, but I'd like to do it as an outlet for myself. Can anybody that's knowledgeable in card reading...
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    Hey ladies It's a good day for me so far, I've been busy... Went to college this morning and got an early lunch as I had finished all my work. So I went a walk to a card shop and...
    Catmando05 Catmando05 22-25, F 2 Responses 1 day ago

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    Right now I really feel like people don't give me the credit I deserve. I'm currently working in job positions that do not require any college education yet I have a psychology...
    betweenlustandlove betweenlustandlove 22-25, F 1 Response Apr 1

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    My husbands suddenly gone from healthy to not healthy at all. He is scheduled for open heart surgery next week and I'm just shocked. We have been struggling with bills since he was...
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    Hi I want to post my experience with living with SVT. I started to notice symptoms when I was around 12 or 13. I would go to the dr and my resting HR would be around 120 bpm. The...
    Ilove2much Ilove2much 26-30, F Apr 4

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    I have a question? I have been using the faeries oracle by Brian Froud and it's amazing and my friend wanted a some advice well during the middle of the reading all then faeries...
    andrew1512 andrew1512 18-21, M 1 Response Apr 9

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    There's a bartender at a tavern I hang out at who only works there on Saturdays. I would drive there to home from work just to have lunch during her shift. I would always share...
    barefootfan29 barefootfan29 26-30, M Apr 13

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    🔮 Gifted Lisa 🔮 ✩healing ✩Marriage/Love/Dirvorce/SoulMate ✩Future/Past/LovedOnes/ ✩Health/Peace/Happiness Iv been reading professionally for over twenty years and...
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    My ex needs my help - a signature- to help him out- really - - think I will use the ***** card you dealt me. game over
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    Opening day against the Reds...LETS GO CARDINAL NATION!!
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    babydude123 babydude123 16-17, M 2 days ago

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    In Holland you used to have to be 16 to buy cigarets and alcohol. In England is about the same. Now let's say for argument sake they upped the age limit to 18 just to make sure. It...
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    I was working as a manager and a woman applied for a vacancy who was a little older for the role, my boss did not want to give her the job and wanted another candidate with more...
    sabasaba06 sabasaba06 41-45, F Mar 24

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