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I Don't Use Credit Cards

Personal Stories, Advice, and Support 253 People

    Not Anymore

    Learned my lesson!!!!!!!!! 'Nuff said!
    otad12 otad12 26-30, F Aug 27, 2009

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    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 1 Response Nov 29, 2013

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    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

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    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

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    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

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    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 19 Responses Jul 31, 2007

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    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 26-30, F 2 Responses Sep 25, 2007

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    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

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    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

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    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

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    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

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    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

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    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

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    Chop, Chop, Chop

    Chop, Chop, CHOP... the sound of scissors against my Plastic at the CCCS (Consumer Credit Counseling Services) Office! If you'd like to know the process of how they help you get out of debt, I'll be glad to share! Just give me a holler... uh, memo!
    emerald emerald 36-40, F 1 Response Oct 11, 2007

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    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 3 Responses Jul 12, 2007

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    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

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    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 36-40, F 2 Responses Feb 19, 2010

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    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

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    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

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    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 18-21, F Jul 14, 2007

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    Related Experiences

    I am proud of this I never have not want to nor try them too.
    TheDarkOak TheDarkOak 18-21, M Mar 30

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    I don't feel connected. I can speak and act and pretend, but I don't feel it. And I don't know what connected feels like. Not really. I can't keep a relationship. I've lost...
    RichardQ RichardQ 41-45, M 1 Response Apr 5

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    I hate life. So cliche but true. My whole life is an act, a game, and I'm constantly losing to myself. I guess I'll just start by telling you about me and some important things...
    bulimicbixtch49 bulimicbixtch49 13-15, F 2 hrs ago

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    I really hate spending time with my husbands mother and sister . They come across as very superficial, and I literally feel exhausted from trying to make conversations with them...
    Ajbean Ajbean 22-25, F 1 Response Apr 6

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    I'm at a crossroads in my life. I don't know which way to go. I'm constantly under scrutiny from everyone around me. It's my sophomore year and a GPA of 2.5 isn't acceptable and it...
    cmitchellichs cmitchellichs 18-21, M 1 Response Mar 26

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    I have a 4.0 at my community college school after 40 credits, I've been admitted to the university I want to go to, and I was doing so well. I'm starting to regress. I'm depressed...
    IamMorbid IamMorbid 18-21, M 4 Responses Mar 31

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    I don't want anything to do it, or with people who practice it. I'm not into tarot cards, palm readings, horoscopes, voodoo, hoodoo or whatever it's called. I have reason to...
    Sistahsky Sistahsky 31-35, F Apr 11

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    My palms are sweaty and my heart is racing.. All I have to do is turn off the light.. But I'm too "afraid".. I'm pathetic.. I'm tired.. I don't want to live anymore..
    sukie13 sukie13 16-17, F 1 Response 3 hrs ago

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    So I have had some stories about how men disrespect women I figure I should state this one. There are some women out there, who use their assets to use good men. They use them for...
    wingeyes wingeyes 31-35, F 7 Responses Apr 4

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    People don't understand. I know why though. People aren't born to care about others(sans family). They take what they can, use who they can even if it breaks the persons heart. As...
    yomirizer yomirizer 26-30, M 8 hrs ago

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    I don't favour hatred. I don't favour silence I don't favour falling for the tricks of the "Damned ones" I don't favour I don't know I don't favour damning people or damning things...
    Denzebarrrn Denzebarrrn 16-17, M Apr 6

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    I'm a 16 year old girl. My whole life I have been trying to make my parents proud, but I've never been able to socialize properly with kids my age, I was always numb or upset...
    AGirlSearchingForAnswers AGirlSearchingForAnswers 16-17, F 1 Response Apr 10

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    There is quite a long story behind this question but I'll try to make it short. I'm a girl and 17 by now and approx. 3 years ago I changed school and among my new teachers there...
    PrincessMagalie PrincessMagalie 16-17, F Apr 11

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    SUMMARY We were best friends for a while, but then he started traveling a lot. Every other week he was gone and that's when we stopped getting along. Now, he is always going out...
    Marvilles Marvilles 13-15, F 6 days ago

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    Don't you feel like liberal arts degrees are useless? Don't get me wrong. I was pursuing that path for a while. But I've come to realize that the world revolves around CS majors...
    Kurokagi Kurokagi 18-21 1 day ago

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    I used to be really close to two of my friends last year, and I could tell them everything. I told one of them that I was lesbian and she completely accepted me for who I was. But...
    Randomcityify Randomcityify 13-15, F Mar 27

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    lost- I'm beyond high right now and have been awake for days on end smoking and shooting up meth, like always. my arms are numb from missing my veins. my whole body feels warm...
    addictionbarbie addictionbarbie 18-21, F 2 Responses Apr 1

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    I just read an article about being in love with someone. Now I am not sure if I have ever been in love with anybody. I have dated, married, and divorced. So far, men I was...
    marion13 marion13 36-40, F 6 days ago

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    I don't believe in coincidence nor do I believe "everything happens for reason." I am not admitting to having some tragic life altering experience thats happened to me. But in my...
    anjjelicaa anjjelicaa 22-25, F Apr 3

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    I have always loved the idea of someday finding the perfect guy for me and getting married in some fairy tale scenario. But as I got older and watched relationships around me fail...
    ariel2891 ariel2891 22-25, F 3 Responses a week ago

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    Apologies in advance: this is a longer rant. Most sitcoms disturb & anger me because much of the humor is mean-spirited & involves humiliating other people. I like witty, creative...
    LuminousMotes LuminousMotes 31-35, F 1 Response Mar 24

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    I've been living with an eating disorder for about three years now. Last year, I lost a lot of weight and finally felt good about myself. My period stopped coming (although I was...
    Nickyta Nickyta 16-17, F 1 Response Mar 24

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    I have demonstrated I don't care about the pervert EP community that don't like I get their stories remove that promote ********* content. They are upset they don't have the same...
    ChillyWilly82 ChillyWilly82 31-35, M Mar 27

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    I am already in my early twenties and I still get bothered and stressed out that my parents don't like each other. Ever since we were little, though they didn't fight in front of...
    ayumiofaries ayumiofaries 22-25, F 1 Response Apr 2

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    you do not know me, and I do not know you, so why do you want to judge me ? till I have lived your live, I would never judge you. on EP are so many different people, feelings...
    deleted deleted 26-30 Apr 5

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    I think this is a weird way to start writing here. Have you ever think about life and how every experience in our life is so strange? Like how people run away for their own...
    aestheticisms aestheticisms 18-21, F Apr 5