Do you choose to not have a credit card?

i choose to have a credit card. it's true that it's very tempting to buy something when you have a credit card but if you don't have any cash on hand, this will be helpful to you

i choose not have a credit card too.. because i think if i had a credit card, i will lost control to buy anything. so i just use my cash money an debit card only. :D

if you can pay cash then you dont need to have a cc but for someone like me who cant shed that much money to pay for something big... a credit card can help me a lot... control is the key and you need to know your limit.

I am 18 and definitely do not want to get a credit card but I really love being able to buy things online and book flights etc online without having to borrow my parents credit card. That is why I love my Visa Debit card. You can use it online and over the phone and stuff but the difference is that the money doesn't come from an account you need to pay off, it's connected to your personal bank account. I've just gotten mine and it's been really useful. I don't have to worry about paying my parents back (or forgetting to) or accruing a debt.

Good for you for making such a wise and responsible decision!!! Dave Ramsey, (a big financial/debt guy) advocates never having a credit card. Personally, I do use credit cards, and up until just recently I always paid the balance off completely in full every month. However, I wish I had been as responsible as you or I wouldn't have had the debt that I have now. I personally do not plan to encourage my children to get credit cards. I think you can pay with a debit card for hotels, HOWEVER they put a reserve or whatever on more $$ than it costs, so that can causes issues.