I Don't Use Credit Cards

Personal Stories, Advice, and Support 267 People

    Unless You Count Debit Cards (...

    Unless you count debit cards (which I don't, because I already have the money in the account).
    Sidira Sidira
    31-35, F
    1 Response Aug 15, 2007

    I Couldn't If I Wanted To!

    My credit is so bad, there's no credit card company in the world that would approve me.
    TattooedMissez TattooedMissez
    26-30, F
    Oct 20, 2011

    Credit Cards Are a Rip Off

    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 bills? Plus you have to pay high interest...
    unfucktheworld unfucktheworld
    22-25, F
    5 Responses Sep 1, 2007

    Self Control

    I know that there is no way I could stop myself from going into debt if I ever had a credit card. I wish I could. I know it sounds silly. Just have some self control right? But there are so many things I would love to buy that would cost a lot of money that I would swear I couldn...
    MimiCatastrophe MimiCatastrophe
    22-25, F
    Jul 16, 2007

    I Should Have Listened...

    "Be wary of the wily credit card for it may verily lead to financial damnation." I read that quote in an issue of Sassy magazine more than 10 years ago.  I cut it out and saved it.  I included it in one of my collages. Yet.... here I am... 10 years later...
    frontier frontier
    31-35, F
    3 Responses Sep 29, 2007

    Debt

    Usually the reason behind everyone being in debt. INterest these days is usually ridiculous and I feel it gives people the temptation to overspend. Last year, one of my Mum's mates overspent by £710 during Christmas for her little boy. That's a lot of money!!
    Luangi Luangi
    18-21, F
    Dec 11, 2007

    Not Anymore

    Learned my lesson!!!!!!!!! 'Nuff said!
    otad12 otad12
    31-35, F
    Aug 27, 2009

    The Sin of Usury!

     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 know you can blame the poor by saying they don...
    NewtonsMom NewtonsMom
    41-45
    4 Responses Aug 17, 2008

    Never Had One

    I have honestly never had a credit card before. I have heard so many stories of people messing up there credit by maxing out credit cards and not paying them off. In my personal opinion credit cards and the whole idea of them is not a good one. Ok let's be honest if your...
    Armor8 Armor8
    26-30, M
    Dec 19, 2011

    And I Won't

    I know people in serious debt and serious trouble from them damn things. I'll just save myself some damage and keep those evil pieces of plastic away!
    PoeticRejection PoeticRejection
    22-25, F
    Jul 14, 2007

    Freedom

    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.
    allyKat allyKat
    26-30, F
    2 Responses Jul 12, 2007

    I Avoid Those Plastic Devils Or Credit Cards.

      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 legally allowed. I hate them.
    hausboy hausboy
    31-35
    2 Responses Mar 20, 2008

    I Don't Have a Credit Card...

    I don't have a credit card, have never had one and will never have one. They just get you into trouble.
    silvertears silvertears
    31-35, F
    1 Response Aug 15, 2007

    Haven't Touched A Credit Card.. Since 2005....

    Yes I have lived "Cash Only".....I had ruined my Credit during college...sooo I waited....got little "secured" cards and such...then 1999 rolled around and the Credit Card Applications rolled in....and I was cautious at first...my jobs got better and so did the Limits...This went...
    deleted deleted
    26-30
    4 Responses Oct 20, 2011

    No Good For Them

    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 can see the funds drawn right this moment...
    filthydieseltech filthydieseltech
    22-25, F
    7 Responses Jan 29, 2010

    Learning Boy Observation

    I've never had and never will have a credit card. From what I've witnessed, it's just too easy to get into trouble with them.  I could see myself easily spending too much on them and then pay for it for much too long. Yeah, no interest at all in credit cards.
    meowmeowface meowmeowface
    36-40, F
    Jul 24, 2007

    It Really Ticks Me Off, Too...

    ...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 thought it was fundamentally wrong...not...
    donquixote11 donquixote11
    26-30, F
    1 Response Jun 14, 2009

    I Have Cut Done On Using Credit Cards.

    I went on my trip and I am so proud of myself...I did not charge anything..! Unfortunately, the keep making my credit limit higher on my department cards I only have 3.  It seems I have too many I have to to have items that I charge.... So I'm living above my means...
    csan csan
    61-65, F
    Feb 2, 2008

    I Dont Even Own One. ...

    I dont even own one. I am so afraid that someone will jack the number and still my money.
    shelleyrenee727 shelleyrenee727
    18-21, F
    Aug 15, 2007

    Live Within Your Means

    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 and save £200. Most people use credit...
    AWUK AWUK
    31-35, F
    2 Responses Sep 25, 2007

    I Never Used It... Ever

    I used to work at Citi Bank at the credit card fraud department, it made me realize what a hassle credit cards are and how much they get people into debt. Some people think I'm weird because I always carry cash with me Sometimes I even bring along hundred dollar bills when I go...
    CantankerousBabe CantankerousBabe
    26-30, F
    3 Responses Nov 29, 2013

    I Don't Use Credit Cards

    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.
    talo talo
    56-60, F
    1 Response Nov 23, 2008

    I Don't Need Them

    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 accessories and an extremely powerful pc that...
    Wraither Wraither
    22-25, M
    3 Responses Dec 11, 2007

    No Credit For Me Pal!

    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" if I have taken money to the MasterCard...
    jmintuck jmintuck
    36-40
    Oct 20, 2011

    Never Have.

    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 from student loans, i don't need credit card...
    journeyfulloflaughter journeyfulloflaughter
    26-30, F
    Feb 28, 2008

    Interesting Topic.

    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 by Credit Cards, then I am going to go out...
    midnightstarr midnightstarr
    41-45, F
    2 Responses Feb 19, 2010

    Credit Free and Loving It.

    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.
    TearfullDad TearfullDad
    41-45, M
    2 Responses Jul 8, 2009

    They Say Money Is the Root of All Evil, I Disagree

    I think credit cards are the root of all that evil.  It's all about the almighty dollar and how to cheat us out of ours.  Yeah you can buy it on credit but at what cost?  You can do the same by going to rent a center type place too.  Instead of saving for a...
    NewShoes NewShoes
    46-50, F
    Sep 24, 2007

    I Am Cash Only

    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 money. just doesnt make sense, but those are...
    antiyou antiyou
    26-30, F
    9 Responses Sep 29, 2007

    Better Off In the Long Run

    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 more than pay the minimum payment on a...
    maineiac04631 maineiac04631
    41-45, M
    18 Responses Jul 31, 2007

    Related Experiences

    about dating? God no. I think in terms of emotions their involuntary nature. Feels. in other words. I mean obviously i feel lucky sometimes to be with whoever i'm with but I don...
    ManifestoOfThePhoenix ManifestoOfThePhoenix
    26-30, M
    Apr 21
    Today i meet another doctor. What i thought would be another person saying there is nothing indicating that something is wrong. instead i get a doctor who tells me this is the...
    deleted deleted
    26-30
    Apr 20
    Someone claim I was fake because I said I don't use Skype wow what a dumb *** wouldn't you think if I offer you my "snapchat" were you send live pics and videos and etc that I'm...
    chocolategirl101 chocolategirl101
    18-21, F
    Apr 19
    I don't want to lose contact with you. My contact information is on my profile. Also don't forget to bookmark and use the new site: www.teen-concerns.blogspot.com It is up and...
    Humanist321 Humanist321
    70+, M
    Apr 18
    That feeling when you hear, "Alright, I guess this is it." And then you hear everyone say "Yeah, I guess so, too. That's quite a journey, isn't it?" And i'm standing...
    SparkofDecency SparkofDecency
    18-21, F
    2 Responses Apr 18
    I don't like goodbyes no one likes goodbye's But sometimes goodbyes can be good Still very hard but good My auntie had a husband that beat her for years she use to sell...
    Dessily Dessily
    13-15, F
    1 Response Apr 17
    Watching all these ghost videos and murders and urban legends and videos where people say in the future people will find out and I'm just over here rethinking my whole existence...
    Botdf1shutup Botdf1shutup
    16-17, F
    1 Response Apr 16
    One of my friends messaged me and asked if I have forgetten her. But excuse me, I have always messaged my friends but they don't reply to me often. It's funny how they ask me sth...
    lonelybeany lonelybeany
    18-21, F
    Apr 16
    I don't have a cellphone. Locked out of Twitter due to the old automated error again and they expect me to confirm my identity using a cellphone number. Here's the thing I DON'T...
    Monstermaster13 Monstermaster13
    22-25, M
    Apr 15
    I'm very sad and I really hate myself. Everyday I wake up and I don't have a purpose. I don't know what to do with myself. I don't really have friend's and even when I'm with...
    tlmboo tlmboo
    26-30, F
    1 Response Apr 15
    My friend has really bad anxiety. I try to help by trying to be there for her and supporting her, but she never tells me what she needs. Today, she pushed me away so I back off but...
    Blackbutterflies99 Blackbutterflies99
    16-17, F
    1 Response Apr 15
    Life is good and bad, What happened good and bad happened for a reason, I wouldn't take it back because it made who I am today, I learned to let people show me they love and care...
    renewed2015 renewed2015
    31-35
    Apr 14
    I've been through a blender, you could say. Age 2, I'm diagnosed with a genetic eye condition that eats away at my vision. Age 6, I'm diagnosed with mild Asperger's Syndrome. Age...
    AsYetNameless AsYetNameless
    13-15, T
    6 Responses Apr 14
    The concept of God with which I was raised is obviously the most familiar to me. This was the christian deity of Yaweh who I was told is omnimax - capable of anything, knowing...
    Doomflower Doomflower
    31-35, F
    1 Response Apr 12
    As long as I can remember, I've never had a passion, a dream. I've never had a driving force for anything I've done. I just go through all the motions of living, but all I really...
    thegreatmango thegreatmango
    26-30, M
    1 Response Apr 12
    I was always good in everything. I was always an enthusiastic person with high range of positivity. On the other hand my mom is a sick manipulator and an abusive person. All...
    hatemom12 hatemom12
    16-17, F
    Apr 11
    Nine important facts to remember as we grow older: Number 9 - Death is the number 1 killer in the world. Number 8 - Life is sexually transmitted. Number 7 - Good health is merely...
    deleted deleted
    26-30
    2 Responses Apr 11
    People here don't think I'm 15. People in person think I'm in college. Me. I feel old on the inside. But on the outside. I act younger than my age. It goes way back from age 1-9...
    LeahLovee LeahLovee
    70+, F
    10 Responses Apr 10
    by often I mean not at all. their was a time when I was really young but it's past when I traveled to London to complete my training my mother didn't hug me nor did my father just...
    SladeBolinLeaderofEp SladeBolinLeaderofEp
    18-21, M
    Apr 10
    It may seem like I'm dwelling on the past a little too much... This occurred to me, yes. But I think it's because I haven't sorted it out in my mind yet. If I don't understand...
    VioletVivid VioletVivid
    26-30
    1 Response Apr 10
    An open letter to ExperienceProject team; The day I received an email with a subject "Until We Meet Again", I had a fuzzy feeling but doubting that it's bad. Until I read it, and...
    Beliebingxx Beliebingxx
    16-17, F
    2 Responses Apr 10
    I don't have to be grateful if I don't want to. I don't have to be grateful that I'm cuter and richer than all of you! so stop telling me to be :)
    kindaspoilt kindaspoilt
    13-15, F
    Apr 9
    Don't fear death, fear a live unlived, you don't have to life forever, you just have to live.
    Ruben1970 Ruben1970
    41-45, M
    1 Response Apr 9
    Today I'm happy for children. Because of them, one woman didn't use her sewing machine so it became mine. Yayyyy!!
    prettyprude prettyprude
    31-35, F
    Apr 9
    Listen I AM NOT INTO MEN That Mean I don't wanna read your messages, I don't wanna see your D pic's. I am into Women. That Is All!!!
    Sofia1179 Sofia1179
    36-40, F
    6 Responses Apr 8
    I am quiet around people I don't know but once I hang out with you for three days I start getting warm and I open up and I begin being me which is a loud talker and don't realize...
    staystyleandsmile staystyleandsmile
    18-21, F
    Apr 8
    I am very quiet around people I don't know and I don't know why. My friends who know me well always say I'm a lot of fun and I can always make them laugh, and they tell me I...
    BelgianGirl1999 BelgianGirl1999
    16-17, F
    1 Response Apr 8
    I know that I have trust issue. It's a hard thing to decide to trust someone. Even it's a hard thing if I trust someone automatically, against my desire. But there's a little...
    Muramasha Muramasha
    26-30, F
    1 Response Apr 8
    OPEN HEAVENS FELLOWSHIP DAILY DEVOTION THE NEW CREATION IS A DIVINE PERSONALITY 1 Corinthians 15:47-48 The first man is of the earth, earthy: the second man is the Lord from...
    ganyoji ganyoji
    22-25, F
    3 Responses Apr 8
    I never used to be that scared person but now it feels like the only emotions I have are fear and sadness. I'm so afraid of becoming homeless one day and having no money. Failing...
    FatsXbambino FatsXbambino
    16-17, F
    Apr 7
More Stories