Do You have a Credit Card?

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Do You have a Credit Card?

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Contributor: Kayla Kayla
No, silly peoples. I'm not trying to steal your information. But the boyfriend's parents are borrowing my credit card to put their hotel reservation for vacation on because they don't have a credit card, so this leads me to wonder how many people don't have a credit card. (I also just redesigned my credit card to have a kitten image on it! So cute!)

Weigh in? Reasons why you have or don't have one?
Answers (private voting - your screen name will NOT appear in the results):
I have a credit card but no debit card.
4
I have a debit card but no credit card.
29
I have a credit card and a debit card.
63
I don't have a credit card or a debit card.
6
Other
4
Total votes: 106 (103 voters)
Poll is closed
05/30/2011
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Contributor: Kindred Kindred
I'm a big credit card user. If I can charge it, even if it's for under a dollar, I will. I don't carry much cash anymore and I hate change.
05/30/2011
Contributor: Petite Valentine Petite Valentine
Quote:
Originally posted by Kayla
No, silly peoples. I'm not trying to steal your information. But the boyfriend's parents are borrowing my credit card to put their hotel reservation for vacation on because they don't have a credit card, so this leads me to wonder how ... more
"But the boyfriend's parents are borrowing my credit card to put their hotel reservation for vacation on"

Please be careful. If something goes south, it's your wallet and credit rating on the line.

I have both but I'm actually trying to get rid of (most of) my credit cards. It's a lot easier to spend when you don't have to fork over actual cash, so bad habits can develop.
05/30/2011
Contributor: Kayla Kayla
Quote:
Originally posted by Petite Valentine
"But the boyfriend's parents are borrowing my credit card to put their hotel reservation for vacation on"

Please be careful. If something goes south, it's your wallet and credit rating on the line.

I have both but ... more
They've already paid us for it in cash, so I'm not worried. It'll be in the boyfriend's hands, and he always has the credit card anyway.

I just have the one debit and one credit. The credit tends to get the big box purchases as they earn triple rewards.
05/30/2011
Contributor: Chilipepper Chilipepper
My father gave me custody of one of his debit cards, so even though I have one it's not mine. The only thing I'd want my own debit card for is for online shopping.

Nooooooo credit cards - I never know if I'll have a job to pay for them or not. Not to mention encourages conspicuous consumption by thinking 'I'll pay it over the next few months/years/decades/e tc' when you're still charging more and more on it.

Cash here. The card skimmers have gotten insane around here to the point of it not being worth using a card to pay gasoline anymore. And it's easier not to over-spend with cash.

Speaking of change ... it's time to take mine in and convert to paper money. I should have about $30 or $40 worth of it by now.
05/30/2011
Contributor: Rossie Rossie
I like to charge things on the credit side of my debit card, don't like punching in my PIN in case of security breach.
05/30/2011
Contributor: indiglo indiglo
Quote:
Originally posted by Kindred
I'm a big credit card user. If I can charge it, even if it's for under a dollar, I will. I don't carry much cash anymore and I hate change.
Me too - I get cash back and other bonuses from my card, so I try to use it for everything from small purchases to big to maximize my benefits. I hardly ever have cash.
05/30/2011
Contributor: shentel shentel
Quote:
Originally posted by Kayla
No, silly peoples. I'm not trying to steal your information. But the boyfriend's parents are borrowing my credit card to put their hotel reservation for vacation on because they don't have a credit card, so this leads me to wonder how ... more
I have many credit cards. Its nice to have them for everything plus you build your credit and eventually you have enough credit to build your dreams.
05/30/2011
Contributor: Sammi Sammi
I rarely carry cash, and I have 3 cards that I pay off that have decent benefits. I've never had a debit card, and have no idea how to use an ATM
05/30/2011
Contributor: Gunsmoke Gunsmoke
I travel so credit cards are mandatory. I have my primary card and 2 back-ups. I rarely use a debit card - but I do have one.
05/30/2011
Contributor: dv8 dv8
Soon, smart phones may become the most common method of payment.

I use cash for mom-and-pop stores so they don't have to pay a transaction fee. I also carry cash for random things like street food vendors and taxis. I'll use plastic in any corporate store, especially if I get cash back or bonus points or some other perk.

I can't imagine being an adult and not using credit cards responsibly in order to build up a decent credit rating. Besides, they're pretty much needed for hotels and car rentals and travel emergencies.
05/30/2011
Contributor: MaryExy MaryExy
I'm working on getting my first personal credit card. I need to sort out my credit report, first, though. I have a card linked to my parents' credit account and their credit shows on my report, making it hard to get a beginner-level card . I plan to use a credit card like a debit card, though, and just keep track of how much of the money in my account is reserved.
05/30/2011
Contributor: Mr. E Mr. E
We rarely use cash. We use credit cards for most purchases. It makes it so much easier to track spending, plus we earn a pile of rewards and rebates using them.
05/30/2011
Contributor: PiratePrincess PiratePrincess
I use my debit card and cash. I don't have a credit card yet, but I am looking to get one soon to build up my credit history
05/30/2011
Contributor: zizfaye zizfaye
I generally use my debit card for everyday purchases and my credit cards are for gas and the other is for emergencies.
05/30/2011
Contributor: Vegan Silk Vegan Silk
I use my credit cards like debit cards. I only purchase things that I can currently afford with cash, but using the card builds up credit for future loans if I need them.
05/30/2011
Contributor: UnknownGirl UnknownGirl
You can't not have a credit card these days.
05/30/2011
Contributor: married with children married with children
i dont carry cash around with me often, so it all goes on the credit card or debit card. But it all gets paid off every month.
05/31/2011
Contributor: SamsDelight SamsDelight
After all the problems with security I am trying to carry more cash and leave the cards at home.
05/31/2011
Contributor: darthkitt3n darthkitt3n
I have a couple of credit cards and my bank's debit card. The credit cards are from a couple of clothing stores, so I don't use them very much. Whenever I get promotions in the mail, it is usually required that I make my purchase with my credit card to get discounts, so I just buy my clothes with the cards whenever I shop. I usually try to spend only how much I can afford to if I were to buy with my debit card, then I will pay off most or all of the balance within a few days of my purchase. I never carry cash, so other than clothes shopping, I use my debit card for all purchases.
05/31/2011
Contributor: Dusk Dusk
I have both - I got a credit card because I need to start building credit if I ever want to own a home or anything like that.
05/31/2011
Contributor: big b big b
just debit card for online.
05/31/2011
Contributor: tim1724 tim1724
4 credit cards (but one is just a Sears card) and a debit card. Plus a credit card for my employer (with a crazy limit of $20,000 or so) but that's just for work stuff.

I pay off my credit cards every month.. I don't think I've carried a balance in six or seven years.

I use cash whenever I'm paying for something under $10, especially at any store that's not a big chain. Credit card fees for small transactions can really screw over small merchants.
05/31/2011
Contributor: Linga Linga
Debit card for me or I'd spend myself into oblivion lol I never use cash if I can help it.
05/31/2011
Contributor: AYoungHomeWifey AYoungHomeWifey
I am converting myself over to cash only except for online purchases. It is so much easier to see how much you have and prioritize what you spend it on.
05/31/2011
Contributor: Shellz31 Shellz31
I have both a credit and debit cards.
05/31/2011
Contributor: El-Jaro El-Jaro
I had credit card issues and only use a debit card now. I don't have any credit cards now, easier that way.

I try to carry some cash, just in case, usually dollar coins.
05/31/2011
Contributor: Jul!a Jul!a
I have 2 credit cards; the one I got when I was 18 that I was advised not to close since that was the start of my personal credit history, and the one that I use regularly. We had problems with the balance for a while because we kept having emergencies come up and no cash so on the card things would go. The credit card will be paid off entirely in 2 weeks, and then we'll be able to save some serious money for a house. I only use my debit card when I absolutely have to. My bank has just decided that accounts will now be charged with the lack of a direct deposit over $500 or without using the debit card 5 times a month. So since ATM transactions count and my husband deposits my check for me once a week, I don't have a problem meeting that quota. I'd rather use the credit card like a debit card because I get points for purchases I'm making anyway and if the number ever gets stolen it's not my bank account that's getting messed with.

I'm horrible about carrying cash. I either forget I have it and use the card anyway, or I spend it all right away.
05/31/2011
Contributor: leatherlover leatherlover
I have a few credit cards, and I use them 99% of the time. I also don't like to use cash. I have a debit card, but the only time I use that anymore is when I go to the ATM.
05/31/2011
Contributor: Devz Devz
creditcard makes life so much easier
05/31/2011