My debt is nowhere near out of control. 6 of them are never used.In my view credit cards are only useful if you are borrowing on them and paying it back in a reasonable time.
The only reason I use a credit card is for online purchases as it generally has more protection.
I'm not sure why someone would need 8 credit cards at the same time unless your debt was getting out of control?
Hungry nowTell you what I'm worried about, Giant Wotsits are rarely less than £1.75 now, haven't found a decent alternative.
I bought a cabin and paid by BT around 15k
Ok thats why I'm 29 and will have my mortgage paid off in 5 years
What's funny?Lol.
Surprised someone in the top 1% can't work that one out.What's funny?
Or maybe you're misunderstanding.Surprised someone in the top 1% can't work that one out.
Or maybe you're misunderstanding.![]()
Yes because I don't believe in credit cards i'm narcissistic.Not just him, we're all misunderstanding. You're the only one who understands, we're all just NPCs in your game of life, screw all us haters amirite
You can do that with a credit card and still get the protections they offer. There really are some dim people on here.I don't have any credit cards. They are a seriously bad idea.
People should go back to the old way - you buy what you have the money for!
Yeah it's not free. Most credit cards have annual fees. My debit card has chargeback protection and costs nothing.You can do that with a credit card and still get the protections they offer. There really are some dim people on here.
Minority thinking will lead to you being rich.Never had a credit card and not planning to do so either. Just use Paypal if I need some protection. Always of the mind set that if I cannot afford it do not buy it.
Seems I am in the minority.
How do you sleep at night?Never had a credit card and not planning to do so either. Just use Paypal if I need some protection. Always of the mind set that if I cannot afford it do not buy it.
Seems I am in the minority.
Or maybe you're misunderstanding.![]()
Yeah it's not free. Most credit cards have annual fees. My debit card has chargeback protection and costs nothing.
Never had a credit card and not planning to do so either. Just use Paypal if I need some protection. Always of the mind set that if I cannot afford it do not buy it.
Seems I am in the minority.
It's not a good idea. I don't use any CC but only debit cards. I know how much rich I amI’ve been recovering a poor credit record over the past few few years. I’ve gradually built up a collection of cards with improving rates each time, and I now have a prime card.
I now have about 8 cards. Now I actually have a decent card, is it worth me binning off some of the credit builders with silly rates or keeping them so my available credit stays up and my utilisation remains low? Can you have too many credit cards? Most of them will never be used again. Grateful for any guidance from you finance savvy bunch.
Never had a credit card and not planning to do so either. Just use Paypal if I need some protection. Always of the mind set that if I cannot afford it do not buy it.
Seems I am in the minority.
Section 75 trumps paypal everytime.Never had a credit card and not planning to do so either. Just use Paypal if I need some protection. Always of the mind set that if I cannot afford it do not buy it.
Seems I am in the minority.