I don't have my own credit card 

before i had this credit card,but after i used it my interest suddenly gone because it will really attempt you to use it especially when you are in the mall,so now i closed my account in credit card and when i have something to buy importantly i will borrow the credit card of my sister.

I do not have credit card too and so many other things that I do not think about them and even no care about them. really there are things when we have them all time we should be careful from others to save them to not misuse and.. oooffff. I prefer to be relax on these sort of thing.

Credit card has an advantage and disadvantage. If you can control your self for over spending it, you will not have a problem. It is always depends in your self control. Anyway, it's a good thing that you don't own a card because you have no stable job. I hope you could find a job sooner.

Even for those who have work, credit cards are not good. They will only give you problems and est up your income.

Since you have said that you have no stable earnings at present, I think applying for a credit card would be difficult. I don't know how credit card application are processed in order for one to be qualified. But since it's a credit ( debt in literal term that should be paid in a given time), the credit holder must have the capacity to pay at demand and with interest if any. So it would be a problem if you can not pay.

I think it's better if you don't have a credit card because it would just give you much problem. Debit card can also be used with other transactions including online. Have a great day!

My husband has a credit card, but we only use it in emergency situations. I think that credit cards can create many problems for you if you use them too much and forget how much you have spent. On the other hand I think that it is nice to be able to use the credit card in emergency situations for instance if you suddenly get a toothache and don't have enough money on your debit card to pay for a visit to the dentist. In situations like that we use the credit card. The rest of the time we only use our debit cards because when we use those cards we aren't able to spend more than we have.

I do not like credit cards either, but I know I will eventually need one if I want to buy a house of my own. I know they can be tempting, but they do sometimes come in handy in case of an emergency.

I am 42 years old and have never had a credit card nor wanted one. I think they are nothing, but a giant headache. I have no debit (other than my monthly bills like electric, heat etc), and have a lot less stress and headaches than the large majority of people I know. If i don't have the cash on hand to but something than I'm out of lucky, and I'm great with that.

It's a good thing not having a credit card which could be a very tempting means of overspending and get yourself in trouble of being buried deep in debt.

having a credit card can be very helpful but it should be use in a correct way because if you abuse your credit card you may find yourself one day full of debt.. i also don't have credit card since for me i don't think i need it for now.. just to be safe from debts i must admit that i am a shopaholic and if i have credit card i might not stop from buying things..

I have job but I keep myself away from loans or Credit cards, I hear bad storied from people who once have credit cards and I don't want the same thing happen to me.