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Originally Posted by Princess Mary
Why must you have a credit card? Credit cards are only for people to buy things they cannot afford, and I don't believe anyone should own one.
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I beg to differ. I know numerous people who own credit cards and can have (and afford) pretty much anything they want.
Secondly, you need credit, period. A good way to get good credit is to have a credit line with your bank (and yes, it's part of a 'credit' card, essentially). You need credit. Period. I'll keep reiterating.
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No wonder people get themselves into debt by spending up big on the credit card and not thinking about the bill.
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Not everyone who has a credit card wracks up insane amounts of debt.
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Ask yourself if you really need one? What do you mean by 'not being able to live' without one? Is owning a Credit Card really a matter of life and death?
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Some places require use of credit or ATM cards. I find using a credit card to be a better alternative, rather than linking my bank account through something like paypal.
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You have your own money, don't you? Use a Visa Card, at least that is your own money and you will not be spending more money than you actually have. Credit cards, IMO teach people to be irresponsible.
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Again, credit cards aren't always used for over zealous spending.
As far as credit companies go, if you're looking for actual credit as opposed to a line of credit through your bank, I can only recommend NEVER going through CitiBank. They sound nice at first but it's just a sanctioned scam. Your best bet in terms of actual credit though is going through a credit union if you are a part of one.
