Quote:
Originally Posted by Air&Road
None of my business James, but you would be best served staying with the debit card. If you MUST have another card make it an American Express. The reason is that you have to pay up every month. No temptation to leave a big balance hangin' so that it can accrue interest at usually EXHORBITANT rates.
You're a smart guy for having nothing more than a debit card, which in effect is an electronic check book.
IMHO, one of the contributing factors to the failing character of America has been the introduction of the Credit Card.
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I've never had a need for a credit card. I usually stockpile/sit/horde my cash until I have sufficient to purchase whatever it is that I want/need.
I mean it never made much sense to me.. Oh I can buy up $X worth of things now! YAY! Oh wait, I have to pay you back by a certain date PLUS 20% and if I dont its 20% again on that each month?
I never saw a need (and still dont, outside of building credit) for a credit card.
I would have to agree with you. I believe its a contributing factor.
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