[steve86]

No longer have credit cards and no longer worry about it.

Occasionally it is quite convenient to have one. For example, I just saved $100 by being able to purchase a Walmart "web-only" tire special. Not to mention deposits for various things. Could have used a debit card for the Walmart thing but I worry more about giving out that number.

[RSmithOpt]

Agreed....I use my CCard quite often for stuff I find on the Net. Towns as large as Raleigh, NC do not seem to have available certain models, colors, sizes that I want when I want. For me to go out and shop, waste gas, fight the crowds, get cut off in traffic has been on a serious decline the last 20 years.

Spending all day hunting down a $40-$80 item is a joke especially coming up with a blank.

Point in case...not one computer place in Raleigh carries an Intel E7300 (2.66 GHz dual core) CPU for my current computer build...they can get it, however.

They have the newer more expensive high end CPU's and a lot of slower older stuffer. One is out of luck finding middle of the road performers off the shelf locally. That CPU has to be ordered...then I have to go back to the store to get it. HEll, I can sleep through that 4 hrs of aggravation..... PS I knew better too as 2 phone calls proved my intuition to be correct.

[joe fonebone]

you have to use your credit cards to your financial advantage....use their own system against them. we rarely pay cash, always use our credit cards, have cash back cards ( that gives us an automatic 2% discount on everything we buy ) and pay our balances in full every month..this means you have to monitor your spending, because to us the card is our cash...our credit rating is stellar, and we save cash on everything we buy..

[Rightly Biased]

My Debit Card is Master Card and it is insured the same as a Credit Card.

I would never use a credit card I like my money and if I want it I save for it.

Raised on Dave Ramsey I am.