do you use credit cards

No, I do not have any credit cards!! I sometimes wish I did though. I would like one right now because my husbands check is messed up again and it is being mailed instead of being direct deposited and we are hungry. It will be middle of next week before his check gets here and then another couple of days for it to clear.

I never applied for credit cards although there are some credit card agents coming to our office and convinced me to have one, but I always refused. I watched some of my colleagues living a miserable life because of credit cards. I never dreamed to work hard just to catch up the mounting bills of my credits and I don't want to follow the miserable life of my friends who work hard because of their credit cards. Even if you say that you have to control your credits or it is very helpful in time of crisis, but I don't believed on that, sometimes human being have the uncontrollable urge to spend and spend and it is not sometimes helpful during emergency because how about after the emergency?you must pay it whether you like it or not, so why not save in the bank for instance, I think it is more helpful, and besides, credit cards have annual payments.

For me, I wouldn't think about getting any credit cards. Credit cards are not really useful because it gives young people an impression that you can buy things first without thinking about how much you have spent. That mentality keeps them obnoxious and not care about the situation until they feel the credit crunch. One more thing, banks earns money off interests so you've got to be careful.

No, I don't have any credit cards. I only have a debit card. Besides, I'm a student. I don't need to have a credit card. I have so many cards in my wallet as it is. I don't need another card. Plus, I don't really have a need to have a credit card. It's not worth having, in my case.

I agree that cash seems to be the best policy, especially when there are so many scams and threats of identity theft out there nowadays. People are so quick to give out credit information online and that's part of what gets so many into trouble.

Hi, I use my credit cards when I purchase something online otherwise I use cash only.I always pay off the balance when I have one.

nope i do not use credit card since i do not really like to have credits i just try to go away with using credit cards.. but i do used my debit card cause i can know my limitations based on the amount i have my debit card..

I have one credit card but it only have a small credit limit on it. Because I believe that in order for you to live life. . without debts you need to have a ration with money... 1:10 if for example you have 1 credit it should not smaller than your big salary which is 10.

Credit cards are the quickest way to dig your own grave my friend. You are wise not to use them for every day use, I have seen a lot of peoples lives ruined by those little pieces of plastic.