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Old 07-22-2013, 03:22 PM   #11
Travelinglady
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I have one and I have a debit card. The only time I really have needed a credit card in when I book a room at a motel.....
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Old 08-01-2013, 12:37 PM   #12
anneo59
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have found if not Paypal, then debit cards often work, tho you sometimes have to, but not always put down larger deposit, or have more funds withheld till charge processes. Definitely workable, though. The best!
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Old 08-09-2013, 03:55 PM   #13
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My 2 cents - only have a credit if you have are very responsible. They thrive off of clients who 'forget' to pay on time or spend more than they can afford. If the previous sentence doesn't describe you, I say it's ok. Otherwise, I recommend for you to use debit or cash.

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Old 08-11-2013, 07:52 PM   #14
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you wont have much luck getting a card with no income
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Old 11-29-2018, 10:26 PM   #15
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Default Re: do you have a credit card

Nope. I had one once but barely used it. Trying not to break the bank and keeping an eye on the bills is enough
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Old 12-02-2018, 07:45 PM   #16
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mania got me with a credit card in trouble. I do not own a credit card now...
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Old 12-03-2018, 01:07 AM   #17
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Credit cards are the Banks way of telling you that you can't afford something...If you have a Bank account, then your debit card should be adequate to pay most bills. I do have a credit card...But it is for emergencies only, and is very rarely used.
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Old 12-04-2018, 07:22 PM   #18
Travelinglady
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I don't use a debit card because you can't get your money back if somehow it's hacked. Credit cards can be very dangerous, too, as some here have indicated. I use a credit card but make sure I don't have to pay interest--isn't it something like 18% on some cards? `
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Old 12-04-2018, 07:43 PM   #19
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Default Re: do you have a credit card

My bank gave me a credit card about 5 years ago. It's for emergencies like car repair or to be used for getting hotel rooms when traveling. I paid it off as quick as possible mostly I paid it off in one go before interest was due and built up my credit. Just cashed some points in for a free 150 dollar target gift card for Christmas shopping. I don't carry it with me so there's very little impulse shopping I'm not one for on line shopping ( too afraid of getting hacked)so it's good. Mostly I use my debt card for everything I can go on line and see how much I have, plus my bank sends me notifications if I spend over a certain amount. Since getting a debt card I haven't had a problem with overdrawing the account.
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Old 12-04-2018, 10:21 PM   #20
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Default Re: do you have a credit card

I have four. They are all maxed, plus two lines of credit. I am deeply in debt. I am trying to dig my way out but it's a slow, painful process. I want to say I've learned my lesson, but I'm honestly not sure I have. As it stands right now, I can't use any of them anyway because they are maxed out.
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