- Joined
- 20 Nov 2011
- Posts
- 3,814
- Location
- Cambridge/Chicago
call me old fashioned....but we don't have any.....rule in our house is...if we don't have the money in the bank...then we don't buy it.
Credit Card ?
Last time I checked my bank balance it was enough not to need credit![]()
Many people dont use credit cards to spend money they dont have,
It just offers cashback and much better security along with flexibility to pay what you spent in a months time, improving your cash-flow greatly.
For example Amex, provides me with a lot of benefits something a normal debit card wont do... Shame you cant use it everywhere and their foreign rates are horrible... Hence I have halifax Clarity, amazing little thing... you can do money-laundering with this thing

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