January 29, 2009 1:21pm CST
I have never liked owning credit cards. I was always afriad that I would over spend and then get myself into debt. I finally gave up and decided that if I wanted to build my credit I would get one. I vowed not to use it unless it was an emergency and that I would always pay off my bill as soon as I got paid. I am wondering: Do you have a credit card? What made you get one? Do you use it wisely or do you make snap purchases?