Post

I Do Not Have a Credit Card

Personal Stories, Advice, and Support 159 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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    Related Experiences

    My life started in 2012, I was born in 1987. Those 25 years have nothing to do with me. Part 1 I was stuck in a bad relationship. And when I say stuck I mean I wasn't allowed...
    NinaBobina NinaBobina 26-30, F 1 Response Aug 23

    Your Response

    Cancel
    If you are here I want to thank you for reading this and like many others I also want to get this off my chest and share my story with you. As a kid I always used to love to play...
    HimanshuTaneja HimanshuTaneja 26-30, M Aug 23

    Your Response

    Cancel
    I hate my job. I didn't always hate it, but I do now and with a passion. The thing is, I really wanted this job....BAD! When I started here I worked one day a week, four hours...
    gracienglory gracienglory 41-45, F 1 Response Sep 5

    Your Response

    Cancel
    Loosen up and enjoy the peace of mind that includes realizing your supper designs are cared for for your period of one's stay, and that your credit card can remain tucked absent...
    Wendolynce106 Wendolynce106 31-35, M 1 Response Sep 1

    Your Response

    Cancel
    Does anyone else think that the new Iphone's worst characteristic is the Apple Pay rather then the free U2 CD? A company will own all your payment information and society will...
    JamesGrey19 JamesGrey19 18-21 1 Response 4 days ago

    Your Response

    Cancel
    I have very few happy memories of my childhood. Firstly, because of the toxicity of my home situation, I wasn't a very pleasant child. I bullied someone and was generally rude...
    33dulling 33dulling 18-21, F 1 Response Sep 12

    Your Response

    Cancel
    Enabled portal that renders not merely its custom CMS but in addition syndicated articles from other written content vendors for an agreed charge. There are generally 3 romance...
    Anthony825d5cr0 Anthony825d5cr0 31-35, M Aug 25

    Your Response

    Cancel
    Which Tarot Card are you? Your Result: The Lovers 77% Harmony is the beautiful mingling of different tones that creates a richer and more powerful experience than each of the...
    greeneyedlady72 greeneyedlady72 41-45, F 2 Responses Sep 1

    Your Response

    Cancel
    First let me mention ...its a bank holiday in the uk..... that means the uk nearly shuffles to a standstill....and the weatherman always forecasts rain for the uk... always...
    expressomarkie expressomarkie 46-50, M 6 Responses Aug 25

    Your Response

    Cancel
    6 The Lovers The Lovers stands for love – but it also represents choice! If this is your card, you will almost certainly find your path through life strewn with temptations and...
    onebeatleft onebeatleft 18-21 Aug 29

    Your Response

    Cancel
    I endeavor to help you people today look for a working prognosis to make a organic health and fitness care remedy strategy for strengthening wellbeing and longevity.Some birds on a...
    Hiltonhn53 Hiltonhn53 31-35, M Sep 6

    Your Response

    Cancel
    I was too clever and ALWAYS managed to avoid this fate whether my grades were good or not. I even hid that I was in serious danger of failing a year once. Where I live (Chile) a...
    AlphahatesOmega AlphahatesOmega 18-21, M 4 Responses 2 days ago

    Your Response

    Cancel
    TAROT’s SHOCKING NEWS! I have a Mauritian friend of mine, she works as a beautician, but that it's not really what she wants to pursue in life. What she REALLY wants to do is...
    TNTandCHOCOLATE TNTandCHOCOLATE 31-35 Sep 7

    Your Response

    Cancel
    Especially, Adult men who will be if not balanced operate a drastically better chance of heart attack, stroke, and Loss of life. If you are a victim, you'll want to talk to a...
    Anthony825d5cr0 Anthony825d5cr0 31-35, M 1 Response Aug 24

    Your Response

    Cancel
    The LoversYou love to be in relationships, and you tend to put a great amount of thought into making decisions that will affect others' happiness. In general, you're talented at...
    SmartKat SmartKat 46-50, F 7 Responses Aug 27

    Your Response

    Cancel
    I think I might have three spirit guides so far, but I'm not entirely sure. The first one I met was the toad. It happened when I was 14, a few weeks before Christmas. I had been...
    Torapie Torapie 22-25, F 3 Responses 1 day ago

    Your Response

    Cancel
    When I looked at this thread, I thought that it meant we would get to pick a card that we thought best described us. I immediately thought, "I'm Death." When I discovered that I...
    Septisoul Septisoul 16-17, F Aug 24

    Your Response

    Cancel
    My *** of a bother took my bank card with a lot of money on it and will not give it back
    newerebe newerebe 16-17, F Aug 29

    Your Response

    Cancel
    The Fool Don't take this card the wrong way. The Fool is associated with deep thoughts. You think about everything and form opinions based on all of your gathered evidence. You've...
    diablesse34 diablesse34 46-50, F 2 Responses Aug 30

    Your Response

    Cancel
    The goal keeper was so mad at his defense-man that he called him a "Fcking idiot" and hit him in the head with the ball he'd just retrieved from the goal (for the 3rd time in the...
    DREAMSOFSAILING DREAMSOFSAILING 41-45, M Sep 3

    Your Response

    Cancel
    At age 42, I had a cardiac arrest. It was 2 1/2 years ago, and it changed my life!
    annek44 annek44 41-45, F Sep 7

    Your Response

    Cancel
    If you are interested in a tarot card reading I'm available:)
    PsychicSpiritual PsychicSpiritual 36-40, F 2 Responses Sep 12

    Your Response

    Cancel
    I am drowning in self pity. I had worse birthdays. I was supposed to bake a cake last night for myself but my husband and I got into an argument so he sulked in bed all night and...
    dodihere dodihere 41-45, F 4 Responses Sep 13

    Your Response

    Cancel
    I hav also been told I hav very nice voice on phones also got many job offers on phone prvsly I use to work in hotel front desk I got a call from other hotel that there rooms r...
    Angel763 Angel763 22-25, F 2 Responses Aug 26

    Your Response

    Cancel
    When I was 5 years I suffered from reoccurring cysts. They where about the size of goose eggs, and one time it gave a very hi fever. The Doc suggested I have it lanced to relieve...
    henryal henryal 41-45, M Aug 27

    Your Response

    Cancel
    The cold truth slips out of drunken lips. Boundaries seemed boundless, crumbling with the echo throughout. Moments shatter so bright, and fade from your mind like eyes adjusting...
    IvyEstelle IvyEstelle 18-21, F Aug 28

    Your Response

    Cancel
    The component that it might not do the job for many people is that they probably have minimal sensitivity to hypnosis.Hypnosis is a wonderfully all-natural state wherein somebody's...
    Laurenazrj90 Laurenazrj90 31-35, M 1 Response Sep 2

    Your Response

    Cancel
    I'm honestly not sure if this is insecurity. Maybe jealousy? Maybe it's simply just saddening for obvious reasons. Anyway, my friend and I both started doing something around the...
    KayJayHoeBum KayJayHoeBum 16-17, M 1 Response Sep 4

    Your Response

    Cancel
    That i know of. Some may have given me power. Or credit. But i have yet to kill. In a non comic way.
    Livyn4pals Livyn4pals 46-50, M Sep 8

    Your Response

    Cancel
    So, who wants to finance a car for me? Ahaha, $10k, my credit isn't terrible but I don't want a completely terrible APR
    LongForgotten LongForgotten 18-21, M 1 Response Sep 10

    Your Response

    Cancel
    I haven't been so blessed as to see my guardian angel but I know I must have one. I can think of two instances where he saved my life. The first time was on a youth summer camp...
    thecatholicbookworm thecatholicbookworm 26-30, F 1 Response Sep 11

    Your Response

    Cancel
    In a free and nurturing environment, only the mind is free from multiple rules of inevitable regulation. The body needs food, water, sleep and sun to live but, only to serve as a...
    ebolarama ebolarama 26-30, M Sep 11

    Your Response

    Cancel
    Never was interested in getting my license. When I was going into high school, the standards were changed, saying that students aren't forced to take driver's class which meant for...
    deadlyrose88 deadlyrose88 26-30, F 3 Responses Sep 11