do you have a credit card

penguinsing · Jul 12, 2013 at 06:22 AM

I have no job and have no credit card.
There's a saying of not to use credit card (future money)
But it's very inconvenient, there are payments that only takes credit card.

It's such a hassle.

Perna · Jul 12, 2013 at 08:17 AM

Credit cards are great if you can pay them off; you can borrow someone else's money interest free for 30 days. Most bank ATM cards can work like credit cards now.

penguinsing · Jul 12, 2013 at 09:25 AM

McAfee need credit card
Mobile fee too, so much hassle
You have to call them (takes forever to wait to talk to a real person) and they need to speak the the person who use the credit card to pay for.

PayPal too, or else it takes forever for the payment.
There are somethings you can't buy in a physical store, not in my city.

I rarely use debit card, I use money, coz this way I can see how much I am using and how much left in my wallet.
I would like to have a credit card to be convenient for living expenses, not shopping or leisure, etc.

yellowted · Jul 12, 2013 at 01:31 PM

i do not use a credit card, i have a debit card though, i use it in the same way one would use a credit card the only difference is the money comes straight out of my bank account so if there is no money in the account the card is declined. it is a far safer way to prevent getting into debt as you don't get a big bill at the end of the month.

i don't know about mc afee but paypal definitely accept debit cards.

jesusplay · Jul 12, 2013 at 01:48 PM

It's a hassle not having a credit card.

takes 2 seconds to get one, and it's free to use.

Yoda · Jul 12, 2013 at 03:57 PM

Quote:

Originally Posted by jesusplay

and it's free to use.

That depends on the particular credit card. I pay $24 per year for my credit card. The interest is really high on my card because I defaulted on loans but I usually pay off the entire balance each month so it works well for my needs.

~Christina · Jul 12, 2013 at 07:00 PM

I do not have one( credit card) .. I have my debit card that has a visa logo. I can use it anywhere for anything. As long as I have the money in my acct.

splitimage · Jul 13, 2013 at 08:07 AM

I don't have credit cards anymore, since I filed for bankruptcy last year. I've found a great solution in a "Virtual Visa" debit card, that I got from my bank. It's kind of a pseudo credit card designed to be used on-line or over the phone, but it takes the money straight from your bank account. It won't work in stores, but it's great for on-line shopping, I also use it as my "credit card" with paypal. I try to use Paypal for as much as possible, but for sites that don't take paypal, I use my virtual visa. I'd say it works most places. About 1% of the site's I've tried to use it on, recognize that it's not a real credit card somehow, and won't take it, but McKafe took it no problem.

I agree not having a credit card is a pain, but it is possible to manage without one.

splitimage

Perna · Jul 13, 2013 at 12:20 PM

I have a PayPal credit card that makes using PayPal easier (instead of their having my bank account information) but I only use it places my much better credit card is a pain (online gambling account :-) or if my better credit card gets a hold placed on it for some reason, so I can still get whatever and sort my better credit card out when I get home.

redbandit · Jul 22, 2013 at 02:58 PM

If you pay off your balance every month you shouldn't have to pay extra. At least the credit cards I have work like this with no yearly fee. I prefer debit though.

Travelinglady · Jul 22, 2013 at 03:22 PM

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.....

anneo59 · Aug 01, 2013 at 12:37 PM

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!

Andrew1 · Aug 09, 2013 at 03:55 PM

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.

* waves *

shortandcute · Aug 11, 2013 at 07:52 PM

you wont have much luck getting a card with no income

Foo Fighter · Nov 29, 2018 at 11:26 PM

Nope. I had one once but barely used it. Trying not to break the bank and keeping an eye on the bills is enough

HALLIEBETH87 · Dec 02, 2018 at 08:45 PM

mania got me with a credit card in trouble. I do not own a credit card now...

Quarter life · Dec 03, 2018 at 02:07 AM

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.

Travelinglady · Dec 04, 2018 at 08:22 PM

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?

`

Nammu · Dec 04, 2018 at 08:43 PM

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.

piggy momma · Dec 04, 2018 at 11:21 PM

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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penguinsing Member Member Since May 2012 Posts: 248 12 71 hugs given	Jul 12, 2013 at 06:22 AM #1 I have no job and have no credit card. There's a saying of not to use credit card (future money) But it's very inconvenient, there are payments that only takes credit card. It's such a hassle.
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Perna Pandita-in-training Member Since Sep 2006 Location: Maryland Posts: 27,289 (SuperPoster!) 18 550 hugs given	Jul 12, 2013 at 08:17 AM #2 Credit cards are great if you can pay them off; you can borrow someone else's money interest free for 30 days. Most bank ATM cards can work like credit cards now. __________________ "Never give a sword to a man who can't dance." ~Confucius
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jesusplay Grand Member Member Since Mar 2013 Location: South Posts: 982 11 138 hugs given	Jul 12, 2013 at 01:48 PM #5 It's a hassle not having a credit card. takes 2 seconds to get one, and it's free to use.
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~Christina Legendary Wise Elder Community Liaison Member Since Jul 2011 Location: Tennessee Posts: 22,450 (SuperPoster!) 13 12.7k hugs given	Jul 12, 2013 at 07:00 PM #7 I do not have one( credit card) .. I have my debit card that has a visa logo. I can use it anywhere for anything. As long as I have the money in my acct. __________________ Helping others gets me out of my own head ~
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redbandit Grand Member Member Since Jun 2012 Location: USA Posts: 811 12 1,235 hugs given	Jul 22, 2013 at 02:58 PM #10 If you pay off your balance every month you shouldn't have to pay extra. At least the credit cards I have work like this with no yearly fee. I prefer debit though. __________________ In a season of suffering, we may question God's intentions. But sometimes His plans for deliverance are greater than our desire for relief -anonymous
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Travelinglady Legendary Wise Elder Member Since Sep 2010 Location: North Carolina Posts: 49,204 (SuperPoster!) 14 23.3k hugs given	Jul 22, 2013 at 03:22 PM #11 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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anneo59 Grand Poohbah Member Since Sep 2012 Location: US Posts: 1,615 12 2,114 hugs given	Aug 01, 2013 at 12:37 PM #12 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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Andrew1 Member Member Since Aug 2013 Posts: 21 11 20 hugs given	Aug 09, 2013 at 03:55 PM #13 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. * waves *
	Reply With Quote

shortandcute Grand Magnate Member Since Aug 2011 Location: Washington State, U.S.A. Posts: 3,169 13 2,427 hugs given	Aug 11, 2013 at 07:52 PM #14 you wont have much luck getting a card with no income __________________ "Sometimes you have to hit rock bottom before you can see the top." -Wildflower http://missracgel.wixsite.com/bearhugs
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Foo Fighter Member Member Since Oct 2017 Location: Kansas Posts: 160 7 87 hugs given	Nov 29, 2018 at 11:26 PM #15 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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HALLIEBETH87 Legendary Member Since Oct 2004 Location: usa Posts: 11,602 20 2,808 hugs given	Dec 02, 2018 at 08:45 PM #16 mania got me with a credit card in trouble. I do not own a credit card now... __________________ schizoaffective bipolar type PTSD generalized anxiety d/o haldol, prazosin, risperdal and prn klonopin and helpful cogentin
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Travelinglady Legendary Wise Elder Member Since Sep 2010 Location: North Carolina Posts: 49,204 (SuperPoster!) 14 23.3k hugs given	Dec 04, 2018 at 08:22 PM #18 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? `
	Reply With Quote

piggy momma Poohbah Member Since Oct 2018 Location: Canada Posts: 1,073 6 70 hugs given	Dec 04, 2018 at 11:21 PM #20 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.
	Reply With Quote