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Child Item

Could you live without your credit card?

For ever odd

We got a credit card a few years back, not because we wanted one, but it was needed to book holidays online, rent a car etc.
Outside of this we rarely use it, we bring it on holiday's in case debit cards aren't accepted, or an unforseen emergency.

I couldn't help but notice, that credit cards are been used to pay for daily shopping, and even buying a round in the local boozer.

- What do you use your credit card for?
- How much is your balance?
- Could you live without it?

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BunkMoreland

Use it for most things, cheaper than visa.

snubbleste

Yes.

The Backwards Man

I use mine to buy plane tickets, hotel rooms and socks.

Penny Tration

27, I've never had one and never intend to get one. If I want something, I'll save for it rather than use a credit card. I've booked holidays on my debit card with no issues, hotels have always accepted them, and I carry cash for spending money on holidays.

Frynge

With bank charges being the norm now again it works out cheaper to use my credit card like a charge card so as to avoid fees.

Pat Mustard

For ever odd wrote: »

- How much is your balance?

What is your credit card number?

Can you send on a copy of your photo ID?

hairyslug

I had to get one for a holiday about 10 years back, since then it's been used for emergencies.
Debit card all the way,very rarely use cash

IsMiseMyself

I don't have a credit card and I don't know if I'd ever get one. My mam drilled into us as kids to never buy anything unless we have the cash sitting in our accounts and that's something I've stuck with since.

Thelomen Toblackai

I don't have a credit card just the debit card. If I buy something I want to pay for it there and then not put it off and pay for it with interest a month down the line.

Miaireland

I have one and very very rarely use it. I tend to use my debit card and cash most of the time. The only time I tend to use credit cards is when I am checking into a hotel, some want you to leave credit card details rather that debit card details. However I normally settle my hotel bill with my debit card on checking out.

Doylers

I use mine when I'm poor :pac: So might put going to the dentist on it and tax while I save up over the month to pay it back.

They are a bollox though when you get into proper debt, I worked hard to get mine down to zero the last while and intend to use it as an emergency card while my number26 card will be for day to day since everything is free and has the best conversion rates.

snubbleste

You pay €30pa tax just for the privilege of a credit card.
Why would you do that when there are other options?

the evasion_kid

IsMiseMyself wrote: »

I don't have a credit card and I don't know if I'd ever get one. My mam drilled into us as kids to never buy anything unless we have the cash sitting in our accounts and that's something I've stuck with since.

It's in their interest to have you in debt..

Collie D

Had one years ago and abused it, tore it up and (eventually) paid it up.

Got one a few months ago now that I'm more mature and financially stable. Going to France for Euros next month and have topped it with the price of hotels rather than leaving the cash in current account where it will be spent. Came in handy recently when I lost my debit card and had no cash to get home.

So handy for holidays and emergencies if used sensibly. I've been both a sensible and unsensible credit card holder

The Backwards Man

snubbleste wrote: »

You pay €30pa tax just for the privilege of a credit card.
Why would you do that when there are other options?

Two words

Incidental hold

Speedwell

30 years ago, when I was in 20 and college, I had a credit card, then I lost my job and had a terrible time paying it back. Since then, I have been a credit card refusenik; I can count on one hand the number of times when it has even been an issue. There have been zero times when I needed one and had no other option.

People moan to me about being in debt. I haven't had debt in more than 25 years. None. None whatsoever. Those same people sigh, "I wish I was like you".

Antar Bolaeisk

I only have it for car rental. I generally have to pre-load it to cover the excess.

eviltwin

Don't have one, no intentions of ever getting one.

NIMAN

Got a UK one for emergencies, flights, hotels etc.
Rarely use it. And no annual fee.

Currently have no money on it.

so yes, I could live without one.

smash

For ever odd wrote: »

credit cards are been used

-_-

qo2cj1dsne8y4k

I got one when I was 18, boom time, lots of money. Only too delighted to give me one. I got into so much trouble with it. Disaster. I was making payments that weren't even covering the interest. My dad found out, paid it off and cut it up.
Was recently in the bank and the lady suggested I apply for one "for emergencies", no thanks!

PMBC

eviltwin wrote: »

Don't have one, no intentions of ever getting one.

Excellent idea for some; not for me

Ciderswigger

Pat Mustard wrote: »

Can you send on a copy of your photo ID?

Alright Tesco Mobile, calm down.

Olishi4

Yes I have one. Originally got it for a holiday I think but also if you use it properly, it's a good way to keep your credit rating positive or to start building a credit rating history.

Some places won't give loans/finance if you ever needed it, if you have no credit rating.

Del2005

Thelomen Toblackai wrote: »

I don't have a credit card just the debit card. If I buy something I want to pay for it there and then not put it off and pay for it with interest a month down the line.

You don't pay any interest if you pay it off a month down the line, it's when pay the minimum that interest hits in. You get free money for a month.

Collie D wrote: »

Had one years ago and abused it, tore it up and (eventually) paid it up.

Got one a few months ago now that I'm more mature and financially stable. Going to France for Euros next month and have topped it with the price of hotels rather than leaving the cash in current account where it will be spent. Came in handy recently when I lost my debit card and had no cash to get home.

So handy for holidays and emergencies if used sensibly. I've been both a sensible and unsensible credit card holder

When you use a credit card you have protection from the bank, when you load it with cash a lot of these protections are gone. You are always better off using the banks money and then paying off in full, since banks will chase their money if there's a problem but they don't care about yours.

[Deleted User]

Mr Bank cut mine in front of me a number of years ago. I was an awful divil with it. Holidays, handbags, luxury skin care, expensive hotels, you name it. It had to be done. I got in to awful debt with it. So now I'm credit card free and debt free

HalloweenJack

I'm 28 and have never had and won't think about getting one til I have a steady job.

I've lasted this long perfectly fine without one.

biko

I have several cards but use cash as much as possible.

#notracking #cashisking

o1s1n

Penny Tration wrote: »

27, I've never had one and never intend to get one. If I want something, I'll save for it rather than use a credit card. I've booked holidays on my debit card with no issues, hotels have always accepted them, and I carry cash for spending money on holidays.

The problem with this is if someone skims your debit card online they are literally emptying your current account - which you've to try to recoup from the bank. Its a direct link to you cash.

If someone does the same with your credit card it doesn't threaten your current account. If something goes wrong it's just credit that's stolen, which you can just let the bank deal with. You still have all your money.

Its a really useful extra layer of protection when buying online. There's not a chance I'd enter my debit card details into a site, ever.

[Deleted User]

Got rid of my credit card last year and don't regret it for a minute. Now my only debt is my mortgage.

If I want to buy something online I either use a prepaid card or give the cash to my OH and put it on his credit card.