Do you have a Credit Card?

limainfinita · Regular Member Joined: 17 Feb 2007 Posts: 124

I dont have a CC but I have a Visa debit card with pin so I can use it like a credit card and buy stuff online.

How about you?

jamieson · Junior Member Joined: 17 Mar 2009 Posts: 3

i don't have credit card... because i believe if i have that credit card
i don't have control of buying things whether it is important or not...
besides credit card is not important and advisable to use..!
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mischa.porter · Junior Member Joined: 08 Sep 2009 Posts: 5

I don't have a credit card also because I'm afraid that I'd spend too much while failing to pay my cc. I'd rather have a passbook account or a debit card than this.
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jamessmith4152 · Junior Member Joined: 24 Nov 2011 Posts: 38

There may be many people who suggest that you get a credit card, but before you do you should carefully decide whether or not you really need a credit card. The answer is that you can get by without a credit card. Although a credit card can be a useful tool, when used properly (paid in full every month), it can be a bigger liability than an asset. Here are five common misconceptions about needing a credit card.
1. I Need a Credit Card to Build Credit

You build credit by paying your bills on time. You can build enough credit to qualify for a home loan by paying your rent on time for several years. You destroy your credit when you do not pay your bills on time. The utility companies and other businesses can send you to a collection agency if you do not pay on time. You do not need a credit card to build your credit history. You may find it a little easier to do with a credit card, but you should be very careful as you try to do so.

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