we know most peoples answers but in the question he didnt include if we would still suffer the consequences or not. when i get a credit card ill want to be able to pay it off and build good credit cause that just makes life easier and cheaper for other things in the long run.

ill eventually get one but havent had the need. guess ive been lucky to maintain a good job to easily pay off things and pay for school and dont have any outstanding purchases. just work on budgeting things.

and i found a cheaper way to get things. find stuff thats broken and fix it lol. got a broken 50" lcd tv for free and all it needs it bulb replaced. $94 for the bulb and its a simple fix. found tv going for $600 used online but i saved money by fixing something broken.