Credit Cards vs. Charge Accounts II

[hisno1girl]

How many credit cards do you have? (Visa/MC/Amex/Discover/Etc)

ETA: Sorry, I left off "ZERO". You can answer here if you have none.

[walterismydog]

You don't have an option for 0!

[hisno1girl]

SHIT!

[hisno1girl]

ALSO: Save your "I pay them off in full every month!!!" comments, this isn't MM!

LOL

[cheeseandcrackers]

One Chase Visa, one southwest visa (signed up for points), and a corporate AMEX for travel.

[fuckyourcouch]

i probably have like 10, but not with balances.

[blueballoon]

0

[aprilludgate]

We have one general credit card and one store credit card.

But, they both have DH's name on them.

[ElizabethBennet]

One with a ridiculously low amount.

[Deleted]

How do people not have credit cards?

[mrssavy42112]

6. All in my name. An AMEX, Discover, 3 MC, 1 Visa. All in good standing.

[Deleted]

Three I believe, but I only use one regularly.

ETA: 2 Visa and a MC

[Deleted]

2.

[walterismydog]

Dec 28, 2012 13:59:02 GMT -5 @misoangry said:

How do people not have credit cards?

My identity was stolen in a BIG way a few years ago (like, stolen by a methhead then sold numerous times over, I think something like 10 people had my info before it was all found out). Because of this, my credit was destroyed and I cannot get a CC. I've managed to get by just fine without one, though it would be nice to have one for business travel purposes.

[Deleted]

Dec 28, 2012 14:00:33 GMT -5 sameoldash said:

Dec 28, 2012 13:59:02 GMT -5 @misoangry said:

How do people not have credit cards?

yes, this is amazing me. i put EVERYTHING on my credit card. everything.

How else are my daily coffees going to earn me points?? I obsessively check them.

[Deleted]

Dec 28, 2012 14:00:33 GMT -5 sameoldash said:

Dec 28, 2012 13:59:02 GMT -5 @misoangry said:

How do people not have credit cards?

yes, this is amazing me. i put EVERYTHING on my credit card. everything.

'

Same here.

Not only does this afford me rewards and perks, but I find it to be the most effective way to track spending.

[Deleted]

Zero.

[Deleted]

Dec 28, 2012 14:02:39 GMT -5 walterismydog said:

Dec 28, 2012 13:59:02 GMT -5 @misoangry said:

How do people not have credit cards?

My identity was stolen in a BIG way a few years ago (like, stolen by a methhead then sold numerous times over, I think something like 10 people had my info before it was all found out). Because of this, my credit was destroyed and I cannot get a CC. I've managed to get by just fine without one, though it would be nice to have one for business travel purposes.

Boo. That really sucks.

[Deleted]

Dec 28, 2012 13:59:02 GMT -5 @misoangry said:

How do people not have credit cards?

Ten years worth of medical bills I haven't always been able to pay has destroyed my credit.

[Deleted]

Dec 28, 2012 13:59:02 GMT -5 @misoangry said:

How do people not have credit cards?

Yeah, I mean I guess you could get by on debit cards, but that has to suck when you rent a car or stay at a hotel or whatever and they suck money out of your bank account to cover potential damage/incidentals.

Those who don't have credit cards have debit cards at least, right?

[cheeseandcrackers]

I love using my chase because I get cash back on every purchase and there is no annual fee.

[Deleted]

Dec 28, 2012 14:05:20 GMT -5 @pixiechinchilla said:

Dec 28, 2012 13:59:02 GMT -5 @misoangry said:

How do people not have credit cards?

Ten years worth of medical bills I haven't always been able to pay has destroyed my credit.

Boo. This sucks, too.

[blueballoon]

Dec 28, 2012 13:59:02 GMT -5 @misoangry said:

How do people not have credit cards?

I just don't see the point. I use a prepaid one if I have to buy something online. I've never needed one otherwise.

[annyong]

Six.

[Deleted]

Dec 28, 2012 14:06:51 GMT -5 blueballoon said:

Dec 28, 2012 13:59:02 GMT -5 @misoangry said:

How do people not have credit cards?

I just don't see the point. I use a prepaid one if I have to buy something online. I've never needed one otherwise.

Do you never plan to make a large purchase that would require a credit history?

[mrssavy42112]

Dec 28, 2012 14:04:47 GMT -5 @sfgal530 said:

Maybe people use debit cards instead of credit/charge cards? Seems like a pain, but you can use them for hotels and rental cars, I believe.

I do use my debit card for the majority of my purchases, probably 75%, but I still have 6 credit cards! My mom was big on me starting to get credit as soon as I was 18. My dad never had a credit card until he was married & couldn’t rent a car on their honeymoon because he didn’t have one. Mom to the rescue.

I believe you still can't use a debit for a rental car. I could be wrong.

ETA: Oh, and even if you don't need a cc for regular purchases, what about for a car loan, mortgage or even renting an apartment? They had to run my credit for my apartment. Having 0 credit could affect you in that way.

[Doc_Lobster]

3, but we only ever use one of them. The others we have had for a long time and just haven't closed.

[Deleted]

Dec 28, 2012 14:07:59 GMT -5 mrssavy42112 said:

Dec 28, 2012 14:04:47 GMT -5 @sfgal530 said:

Maybe people use debit cards instead of credit/charge cards? Seems like a pain, but you can use them for hotels and rental cars, I believe.

I do use my debit card for the majority of my purchases, probably 75%, but I still have 6 credit cards! My mom was big on me starting to get credit as soon as I was 18. My dad never had a credit card until he was married & couldn’t rent a car on their honeymoon because he didn’t have one. Mom to the rescue.

I believe you still can't use a debit for a rental car. I could be wrong.

Now this is even weirder.

Why don't you use your credit cards?

[amberlyrose]

I have 2 regular use- United Visa for airline miles that I put my rent on and an Amex Platinum for every day purchases that is paid in full each month. I have a few others in my safety box that I'll use every few months to keep active.

[blueballoon]

Dec 28, 2012 14:07:57 GMT -5 @misoangry said:

Dec 28, 2012 14:06:51 GMT -5 blueballoon said:

I just don't see the point. I use a prepaid one if I have to buy something online. I've never needed one otherwise.

Do you never plan to make a large purchase that would require a credit history?

Possibly, but it would be a long, long way off. I'm poor lol