anyone else never use a CC, never ever?

[toile]

I sometimes feel so alone with this.
We have not used a CC in years.

We truly truly only use debit/cash/checks etc..
I have to budget and there can be no cheating even for deals.

Ya know the $ has to be here today or we don't buy it.
or
Seriously tracking every dime because when its gone its gone LOL!


Anyone else live this lifestyle?

[kittykatstrong]

I don't have a cc, just a check card.

[Jeanna]

We haven't had a cc since the 1990's. I will never go back. That is the one thing I really preach to my children. I have explained how the interest works and they both realize already that it is just robbery.

[changed4life]

No credit card use here either. Just cash, checks or debit card use within the parameters of what's available. If we don't have it, we don't buy it.

[nodmicks]

I do use a CC when we travel but I pay it off immediately. After getting debt free I didn't use it for ages but we found while traveling a lot of places wont take travelers checks anymore.

We have a strict policy of if the cash isn't there = no buy.

[nodmicks]

I do use a CC when we travel but I pay it off immediately. After getting debt free I didn't use it for ages but we found while traveling a lot of places wont take travelers checks anymore.

We have a strict policy of if the cash isn't there = no buy.

[redhead68]

Very rarely.

[sixfreds]

We never use credit cards, don't have any..
I use my debit card but no credit cards.

Eileen

[Jamauk]

We have an American Express that we use - but we pay it off each month. We always have the $$ to cover anything we buy. We only use it for the Costco awards.

Last year we got $200 back to use at Costco and this year it looks like we'll be pretty close again. We've never carried a balance on teh card, so I don't really count it as "using credit" - we treat it like a debit card.

[Its_Donna]

We haven't had a Credit Card in 5 years. I use a Visa Debit Card, Personal Checks and Cash....that's it.

[Neeley]

We never use them - we don't even have one.

When we travel we just use the debit card.

[latierra84]

same here. dont have a single cc to "fall back on". sometimes when im really tight i worry and think that having a cc would relieve some stress. not nec using it, just knowing that its there just in case. at the moment though, doesnt look like i'll be getting one any time soon.

[Dancing Lotus]

We do not have a credit card. Haven't used one in two yrs. Sometimes I feel so alone but thats why I come to the village. Most of the time I find people dont believe me when I tell them.

[toile]

latierra84, you said what I couldnt figure out how to say.

I don't have the "fall back on" thing.

If I cant pay for it, no matter how worthy it is, I don't move foward.

Thank you so much for making me not feel alone.

Its hard being frugal in a "just charge it society".
Does that make sense

[Becci]

DBF is salary sacrificed so we have a CC through that. However, it is really a debit card as we only use our cash thats on it and can only over draw by $100. The beauty is we can pay for things just like using a credit card which is great for mail order items.