Freedom Forums

I have never had a credit card.

May I just say that in all my time on this earth I have never had a credit card.
I have worked hard and always used cash on all my transactions.
I do have a Visa card but I got that decades ago, well I am not sure if it was Visa then but it certainly is now.

By credit card I mean having to borrow money from a lender using a plastic card.
The Visa card is different because that was from a building society where my wages were paid in to.
I would use the Visa to buy things with but never once did I go into the overdraft limit.

I have never needed a credit card at any time and proud of that fact.

Just saying

Top Cat wrote:
May I just say that in all my time on this earth I have never had a credit card.

Good for you.
I know a few who have got themselves in fat too much debt by using their cards willy nilly.
Steer clear of credit cards as they are far too easy to acquire.

Credit cards are evil.
Don't ever get one.

I know someone who had their life ruined using their credit cards in the wrong way.
Their debt spiraled out of control and ultimately lost his home.
That resulted in him losing his wife and family.
I don't recommend anyone go into any form of debt by using a credit card.
They may have a place in the modern world but people should use them wisely and stay within their means.

Good thread!
I would never even think about using a credit card to get into debt with.
The rates they charge are ridiculous.
Also, why would anyone need to draw money from these people.
If you can't afford something - just go without.
I would rather do without than pay over the odds for it.
Credit cards should be banned!

I am heartened by this.
Keep well away from borrowing money in any way.
Credit cards are not the way to go.
If you can't afford something now, just go without.

Just don't live outside your means.
If you use a credit card you have to pay them back with interest.
Why not just save up for things you really need - simples!

I have never had a credit card either.
I keep getting letters off certain companies offering me one though.
I have never been tempted to fill in their forms because they want to know far too much.
Even then, you are not guaranteed to get one.
Good luck to those that use them but I couldn't force myself to go in for one.

I have never even though about owning a credit card.

Zombie wrote:I have never even though about owning a credit card.

Your best bet is never start thinking about applying for a credit card.
You will be tempted to use it and then the problems will start to happen and you will regret the day you ever applied for it.