Quote Originally Posted by TSiFTW View Post
I use no CC of any kind. I learned my lesson got into huge debt and went bankrupt. Since then I have never even applied to get another and will never. I know some people like them but I do not. Just my personal preference, I do just fine without one.
I'm glad that you learned from your mistake. Unfortunately with the way the system works, you'll be subjected to higher interest rates whenever you take out a loan. Additionally, I use my credit card constantly which builds up my rewards so I get free plane tickets. If you don't have a credit card, you are missing out on these kinds of rebates that are basically free if you always pay your bill at the end of the month. I'm not saying this to say your choice is wrong, just that credit has become a big part of our financial system and if you learn to use it responsibly, it is very beneficial.