Do any of you not have a credit card?

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Current Events » Do any of you not have a credit card?
What percent of you on here don't have a credit card?




topic
"A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not"
I have one but I don't ever really let the money I owe add up and usually pay it all in one go every time.

I mostly got it for security so if my card info ever gets stolen (like online or in a store) they're not directly getting my money
A good portion of CE is super insecure and afraid of credit cards for some reason.
I've wanted to get one and look up a guide on how to use it effectively, because I know it's possible.

Just can't be bothered to try. Debit works.
This is LinksLiege's signature. It is fantastic.
LinksLiege posted...
I've wanted to get one and look up a guide on how to use it effectively, because I know it's possible.

Just can't be bothered to try. Debit works.

How to use it effectively?

Swipe card. Pay off before due date. Literally easier and safer than debit FFS
I didn't have one until last year.
But the 9/11 buildings got destroyed in the 9/11 thing - xyphilia
RebelElite791 posted...
LinksLiege posted...
I've wanted to get one and look up a guide on how to use it effectively, because I know it's possible.

Just can't be bothered to try. Debit works.

How to use it effectively?

Swipe card. Pay off before due date. Literally easier and safer than debit FFS


i use mine for large purchases and pay it off for months at a time. credit is nearly 800
i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.
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RebelElite791 posted...
How to use it effectively?

Swipe card. Pay off before due date. Literally easier and safer than debit FFS

I was talking which card to get, comparing the extra rewards, etc.

lol me so dum for want to research
This is LinksLiege's signature. It is fantastic.
Medussa posted...
i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.

why can't you get approved dude?
"A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not"
CedarPointcp posted...
Medussa posted...
i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.

why can't you get approved dude?


the older you get without having a line of credit the harder it gets
AlternativeFAQS posted...
CedarPointcp posted...
Medussa posted...
i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.

why can't you get approved dude?


the older you get without having a line of credit the harder it gets

really? i've never heard this, so if you're like 35 with no credit then no place will approve you?
"A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not"
I've never had a credit card, and will likely never get one. My sister has had them, and handles them poorly.

The credit union I'm a member of issues debit cards, so I have one of those. Other than this I have purchased pre-paid Visas or Mastercards for online purchases (mostly Amazon).
CedarPointcp posted...
AlternativeFAQS posted...
CedarPointcp posted...
Medussa posted...
i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.

why can't you get approved dude?


the older you get without having a line of credit the harder it gets

really? i've never heard this, so if you're like 35 with no credit then no place will approve you?


no, you should be able to get some crappy one. something with a very low limit and high APR
AlternativeFAQS posted...
CedarPointcp posted...
AlternativeFAQS posted...
CedarPointcp posted...
Medussa posted...
i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.

why can't you get approved dude?


the older you get without having a line of credit the harder it gets

really? i've never heard this, so if you're like 35 with no credit then no place will approve you?


no, you should be able to get some crappy one. something with a very low limit and high APR

but if you pay it off every month then it doesn't cost you more right? even with a high apr?
"A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not"
AlternativeFAQS posted...
CedarPointcp posted...
Medussa posted...
i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.

why can't you get approved?


the older you get without having a line of credit the harder it gets


plus, my current job doesn't pay a lot. i have almost no expenses, but the actual dollars in is only a couple hundred a month.
Boom! That's right, this is all happening! You cannot change the channel now!
Act now! Venchmen are standing by for your orders!
yeah as long as you pay it off every month interest shouldnt affect you. keeping the utilization at around 15-20 percent is the best way to improve your score though
AlternativeFAQS posted...

no, you should be able to get some crappy one. something with a very low limit and high APR


but that bs is exactly why I never got one in the first place.
Boom! That's right, this is all happening! You cannot change the channel now!
Act now! Venchmen are standing by for your orders!
Medussa posted...
AlternativeFAQS posted...

no, you should be able to get some crappy one. something with a very low limit and high APR


but that bs is exactly why I never got one in the first place.

you should still get one dude under those circumstances, just pay it off all the time and your credit limit may slowly go up
"A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not"
Medussa posted...
AlternativeFAQS posted...

no, you should be able to get some crappy one. something with a very low limit and high APR


but that bs is exactly why I never got one in the first place.


that's why I avoided them too. i saw what bad credit did to my parents. you just have to use them correctly. all you have to do in the beginning is use about 30-40% of the limit and then pay it off for a few months and keep doing it. most new cards do come with a 12 month no APR thing. by the time the 12 months is up your credit score should improve
CedarPointcp posted...
Medussa posted...
AlternativeFAQS posted...

no, you should be able to get some crappy one. something with a very low limit and high APR


but that bs is exactly why I never got one in the first place.

you should still get one dude under those circumstances, just pay it off all the time and your credit limit may slowly go up

Honestly just a few months using it is enough. I still have a $500 limit on my very first card (only increase with a HP since it's from the credit union so I just use it once every few months and will never raise it), but only needed a few months to get my second.
yeah. ive only had a credit history for 20 months and my limit is now 5k and i leased a new honda with zero issues
wow seems like everybody has a debit card, probably more popular than credit cards these days
"A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not"
I don't use credit cards.
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I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier.

Do the research folks
Cemith's dick is a tyrant
"wtf do you know how girls work you virgin" - robellr13
CedarPointcp posted...
wow seems like everybody has a debit card, probably more popular than credit cards these days


i got denied on credit card that i wanted. didn't have no credit history or it was crap.
Chapped ass sucks. Deliver me sweet release, Kaopectate-.Alucard188
DragonJumpKick posted...
I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier.

Do the research folks


they are bad in the hands of people who don't understand how to use them. they can ruin your life
AlternativeFAQS posted...
DragonJumpKick posted...
I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier.

Do the research folks


they are bad in the hands of people who don't understand how to use them. they can ruin your life

yeah ruin your life, probably real hard to get your credit up back good if you have a bad credit history or have actually declared bankruptcy in the past.
"A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not"
DragonJumpKick posted...
I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier.

Do the research folks

Same here. I finally got a credit card 6 months ago and I'm nearly 29. Citi Double Cash which gives me 2% cash back on all purchases, no annual fee, and no interest for first 12 months. Also they have an awesome mobile app. I've already made $275 cash back. Couldn't be happier with it.
I have both but I never use my debit card or cash, for that matter
Ave, true to Caesar.
When I pay for something I want to pay for it. The very idea of a credit card annoys the piss out of me and I doubt I'll ever get one.
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I am extremely good at saving up money (not making it unfortunately though) so I just pay for everything I want up front.
I would have no use for a credit card, even in an emergency I would just turn to my savings.
don't worry, good times will happen just gotta pull through the bad ones.
Chapped ass sucks. Deliver me sweet release, Kaopectate-.Alucard188
I have a credit card and have racked up over 100k in points based on my use. That equates to over $1,000 cash or up to ~$1,300 if I redeem for travel. Currently has a $0 balance.

Treat your credit card like a debit card and it literally becomes free money.
When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius
debit card
Current Events » Do any of you not have a credit card?