[Desron13]

"every day i got to toss out some bank seeking me out to offer me credit. if you cant get a loan, it is probably due to very poor credit or a inability to pay. when did having a brand new car become a right?!!!"

I have never owned a credit card. In my opinion, they are one of the great scourges of the modern world. If you cant do with a debit card (and I'm starting to worry about those), you need to reduce your expenses. PERIOD!

[CanadianMusherinMI]

we have 2, both bankcards, but we only use them for a major purchase, but mostly we have them in case of a emergency. we live frugally, if we cant afford to pay cash we dont buy. nearly every one i know is the same way. it is not a hard way to live!
i will say it bugs my arse to no end that we live within our means and now have to bail out credit card holders who did not have enough common sense to stay on budget. worse they get to keep the big screen tv's (of which we dont own) and all types of frivolous purchases!
i have not been able to give up my checks yet for a debit card. what are your concerns regarding those?

[dalereed]

“If you cant do with a debit card (and I’m starting to worry about those), you need to reduce your expenses. PERIOD!”

I have a $30k limit CC and pay my bill every month as soon as my statement is availble on line.

I won’t use a debit card because I don’t carry a checkbook with me to enter the transaction in.

Using a CC has never cost me a cent plus I have an itemized statement every month and an itimized year end statement breaking down all the purchases by catagory.

I also get a 1% refund on all purchases with no limit.