I Don't Use Credit Cards

I had a few bad experiences in the past so I have sworn them of for good. Sucks sometimes but better for me in the long run.

For a long time usury, or charging for credit, was considered a sin!  Immoral!  What is particularly immoral these days is how these rat bastards are preying on the poor by charging them huge interest rates. (I know I...

Too dangerous--they mess people up more than they do good.  Debit is MUCH better.  You can see what's coming out right then and there.  Not pay later.  What if I don't have the money to pay later? I'm f*cked.  I...

Credit cards in my opinion nothing more than pure devil. I left those things years ago. Owe a debt with a charge card company you'll believe in a devil if not the one in hell. They delight in overcharging you interest more than...

My mum never had a credit card. She taught me that you should never spend what you haven't got and to live within your means. Someone could earn £1000 a week and be spending £1500 where as someone else could earn £800...

No credit cards, Car paid off, House paid off. If I can't afford it in cash I don't need it. Trying to show my kids the evils of debt. The banks hate me.

Well I have no need because I use my cashpoint card to withdraw money from my bank account and then I always pay cash. When I buy really expensive things I usually buy them online. I recently bought an electric bass with amp and...

I do have a Visa and MasterCard cards, but the only difference is that they are DEBIT cards, NOT CREDIT cards at all!

I HAVE TO have money ON the card before they can be used. If there is no money, so what. They will only come "alive...

Learned my lesson!!!!!!!!! 'Nuff said!

I have always saved up for things instead of paying 21% interest. I have been driving for almost 28 years and I have still never had a car loan. I paid off my mortgage when I was 40 and am completely free of the debt trap. If you did no...

Hello Everyone,

I am new here. I have used Credit Cards in the past. I am still paying off my last one that expired two years ago. And I am not currently using any credit cards. But if there is a store online that only has us paying...

...because on the news right now all of the financial gurus are blaming our current economy on misuse if credit, and saying how we all got ourselves into this mess by enjoying the cheap and easy credit, and I never did!  I always...

i use my debit card for practically all my purchase. i'll use cash for parking decks and checks to pay the mortgage, but for everything else it's debit card to the rescue!
that way i can only spend what i have. i've got enough debt...

I have never had a credit card.  I use a debit card instead.  I know me.  I am not disciplined enough to use a credit card wisely.

I've seen many, many times that credit cards put people in debt. I don't want debt collectors calling me. My motto about credit cards is if you don't have money to purchase things, how are you going to have money to pay your credit card...

i dont understant credit cards. plus i dont have the credit for a good one. not that i have bad credit, just a lack of credit. the only cards i qualify for are the kind i have to put my money into, and then pay fees for using my...