Questions about getting rid of all credit cards

Budget101 Discussion List Archives Budget101 Discussion List Questions about getting rid of all credit cards

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      I don’t post much but i think i can shed a little light on this – i have no credit cards (i feel like i’m in an aa meeting lol) i have 2 debit/credit cards – can be used as both – but I can only charge what I have in either account. I don’t have any debt – both my cars are paid off, I rent a house (I know not the best but in this economy renting is my only way right now) I have recurring bills (utilities, cable, cell phone)

      I have had zero problems – with renting cars, I use the credit portion of my debit/credit card – I’ve never had a problem – on one card I get cash back for using credit instead of debit

      I have to go meet family, so if you want to know more on how I am able to save 3 times more than what I was able to before my credit woes, and how I can afford pretty much anything I can help

      Quote:
      .
      Original Message
      .
      From: bodymindspirit7
      To: Budget101_@yahoogroups.com
      Sent: Sunday, July 06, 2008 12:55 AM
      Subject: Budget101.com : Questions about getting rid of all credit cards

      Once again, I have charged my credit card up to the limit (luckily I
      have a low limit on the card). I have decided that I no longer want to
      have ANY credit cards. They have caused me nothing but trouble.

      I
      have been in and out (mostly in) credit card debt for 25 years. It is
      exhausting and there is no way I can live the rest of my life (probably
      at least 40 years) like this. I would like to just use a debit card
      instead and just not have any credit cards.

      Do you all have credit
      cards?

      I am really afraid of having problems renting a car. I go on a few
      trips each year, sometimes alone, and sometimes the rental car
      companies require a credit card and will not accept a debit card. Is
      there a way to get around this?

      What do you all do? What about pre-
      paid credit cards? Do rental car companies take them?

      Other than the rental car problem, is there any other reason why I must
      have a credit card? can a person really get by with just a debit card
      and maybe a pre-paid visa? i just want to get out of this hell.

      your help will be greatly appreciated.

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Budget101 Discussion List Archives Budget101 Discussion List Questions about getting rid of all credit cards