I also have no credit cards, nor will I ever get one. I've never had a problem with them, or been defrauded (that must have been a nightmare rickg), I just think they are a bad idea. I get all the convenience I need from my Visa debit card. I have always paid for everything I own with cash, even my boat and I also liked the look on the guys face when I did. No debt = happy me and to hell with paying all that interest for frameshift wealth. They are giant traps; they own many people. Besides, what's wrong with living within your means??

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1982 Mercedes-Benz 300CD
1982 Mercedes-Benz 240D - stick