I don’t like credit cards. Many smart people — including my wife — use them wisely and never have problems. I’m not one of those people. Most of my money woes stem from credit card debt acquired when I was first out of college. Eventually I wised up — I have not carried a personal credit card in more than five years.
NCN at No Credit Needed has posted a detailed list of the reasons he does not use credit cards. He writes:
I have not used a credit card in over two years. So far, I have yet to find myself in a situation where I had to use my credit card. (I still have one, active, credit card account. I keep my card tucked away in my wallet. I’m not sure it actually works anymore. I do not plan to find out.) I do not advocate closing credit card accounts. I have an account that is open and in good standing. I just don’t use it. What have I learned about NOT using my credit card?
Among the lessons NCN has learned:
- Spending cash hurts more than swiping a card.
- If you don’t use your card, you don’t get a bill.
- He doesn’t care about missing cash-back bonuses or card rewards.
- He can use a debit card in nearly every place a credit card would work (including car rentals and hotel reservations).
I, too, have suffered no adverse effects from giving up personal credit cards. It helps, of course, that I use a debit card. I also carry a couple of business credit cards, but I have no problem using them responsibly. Business is business, and is completely separate from my personal life.
I’ll admit that I’ve considered trying to use credit cards once more now that I seem to have developed a solid understanding of personal finance. Ultimately, however, I’ve decided the rewards are minimal and the risks too great. For now, I’m credit card-free and proud of it.
[No Credit Needed: I Do Not Use Credit Cards]
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I’ve got to say that I can’t really understand this sentiment, from you or anybody else. I also can’t understand your advocacy of the Debt Snowball; I guess my financial psyche is just different from yours. As you can tell from my blog’s name, I’ve got more of a detached attitude towards money; to me, it’s not the emotional heavyweight that it seems to be with many others.
I am working on a couple of posts about credit card and general financial management right now on my blog. They should be up in the next couple of days. Maybe they will give some insight and possibly change your mind.
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I’ve got to say that I can’t really understand this sentiment
As with many money-related issues, I believe this comes down to psychology. We’re all different. We each have different ways of seeing and interacting with the world. In my case, personal credit is problematic. Something inside me allows me to rationalize its use for little things, which turn into big things, which turns into mountains of debt.
Obviously I am not the only one with this problem. There are milllions of people in the U.S. who have problems with credit card use. Some of us are bright college-educated folk who know that we’re making poor choices.
The same goes for the debt snowball. I understand the math behind paying high-interest debt first, but the fact is that method never worked for me. I never felt like I was making any progress. It was only once I tried the debt snowball and could see and feel these little victories that I got excited about turning my financial life around.
It’s all about psychology and doing what works for you.
I admire those like my wife (and like you) who don’t have money issues. I wish I could be that clinical. I can’t. And so long as I realize that, I’m going to do my best to prevent future problems.
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It’s not true that you can rent a car with a debit card everywhere. I tried to rent a car from Hertz at Newark Airport and was denied. I talked to managers, called customer service, tried to pay cash, and was still refused. I had to take the train back home (45 minutes) and then back out there to get a car… on the evening before Thanksgiving.
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Use a credit card only for specific purposes. American Express, for instance, has a card that pays 5% back on groceries or petrol. Using that card only for those purposes will keep your bill predictable. I spend about $800 a month on these items, and Amex helpfully pays for $40 of that for me.
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Jay — I agree, I’ve found that some reservation agencies like rental cars and hotels won’t take a debit card to hold a reservation, but that was several years ago, and I I think that has mostly changed. Then again, I don’t se a debit card, so I’m not sure.
I do know that some hotels will accept a cash deposit rather than a credit card to hold a room, but when so much is booked online or over the phone, that doesn’t work so well that much any more.
J.D.’s right about psychology. People look for a one-size-fits-all solution… that’s why these personal finance books and gurus are so popular; they promise easy solutions to complex problems. But the world, at least what I’ve experienced so far, is not one-size-fits-all.
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Reasons why not to use your credit card…
Finance blogger No Credit Needed uses cold hard cash to pay for everything and anything and hasn’t swiped a credit card in two years. I love to stand in line, with people behind me waiting to check out, and……
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Congrats to the individual from No Credit Needed. That’s a huge step, considering you haven’t used a CC in two years.
Let me ask you this though. What if you are trying to build credit? What are other ways of doing that without a credit card line or two?
I’m one of the few that still uses my CC for online purchases, car rentals, and emergencies. I try hard as possible not to carry a balance though. I pay them IN FULL, even before the monthly is due! I’ll make two or three payments in the same month if I have to, just to make sure I don’t owe anything. In the back of my mind, carrying a balance really BOTHERS ME! You have to have that mindset.
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I can respect your decision, and his as well. However, I was actually thinking of typing up an article along the lines of “Credit Cards: It Isn’t All Bad.” True, there are a ton of things bad about credit cards. If you can’t control your use of one, then by all means stay away. The interest rates are ridiculous, changing of terms on the policy in fine print is ridiculous, etc.
Yet, I ONLY use credit cards. It ‘hurts’ just as much to me because I understand getting dinged with a bill. I pay the entire bill every month. I use AMEX’s Blue Cash and even with the tiered reward categories (6,500 = 5% and 1.5%), I’ve managed to earn $148.xx in the past 5 months using it.
I charge utilities (fairly predictable), work lunches (required by my job), gas, groceries, insurance, you name it. If someone steals my card and racks up $10k on it, AMEX won’t hold me responsible. I know that Visa’s checkcard claims the same thing for debit cards, but when $10k disappears from your bank account you hurt immediately.
Just my two cents.
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My POV:
My husband and I use our Discover card for just about everything. It’s so much easier than always going to the bank for cash, and we pay it off in full every single month, so we never have to worry about interest fees. And the cash back bonus is great! I have $100 sitting there for me to redeem now, which will probably be turned into $125 at The Gap or Bed Bath and Beyond. That’s free money!
Another bonus: The credit card statement/website helps me keep track of expenses when my husband loses or forgets to give me his receipts. I log onto the website daily to check our latest balance and make sure we’re not getting out of control for a particular month.
For gas, we use our Shell card and get 5% back on all Shell gas purchases. It’s a great deal!
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One good reason to occasionally use a credit card is that Debit cards are, in my experience, not insured. I use my credit card for online purchases, but otherwise it is used only in emergencies.
Disclaimer: The previous statement is based on my personal experience at three community banks over the past couple of years. (I move too much)
Great Blog BTW.
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Aside from the ability to track expenses, the rewards, etc., many credit cards offer lesser known perks for free: warranty doubling, 90 day theft/damage insurance, price matching assurance. I never buy extended warranties because purchasing with my card gets me twice the manufacturer’s warranty (and I have used this feature with Amex–very convenient and no hassle).
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Personally, I’m not much of a gambler. I don’t play the lottery. I don’t bet on sports. I don’t frequent casinos. In fact, I once spent four days in Las Vegas and couldn’t bring my self to put even one quarter in a slot machine. I know the math. The odds are overwhelmingly stacked against me.
Likewise, I no longer use credit cards for personal expenses. (I have one card for reimbursable business expenses only.) My wife and I got rid of our credit cards about 4 years ago and have been living debt free for over a year now.
It is my opinion that credit card companies exist for one reason, to make money and lots of it. Just like gambling, the odds are stacked against me and in favor of the company. Sure, they may give me a little incentive. They may let me win every now and then, but only because they know if they can get me to play then they can most assuredly make money from me in the long run.
Sure, I know about cash back, using their money for free, frequent flier miles and all the clever ways to use credit. But, I also know that I’m not as clever as I sometimes convince myself I am. I’m certainly not as clever as the plethora of marketing execs, accountants and lawyers the credit cards have working for them.
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[...] Lifehacker, a popular blog filled with advice for easier living, has linked to No Credit Needed. The linked to a post that I wrote about not using credit cards. Apparently, they picked up this article from Get Rich Slowly about my post. This is the first time that Lifehacker has linked to one of my articles, and I’m psyched. If you came here from their site, welcome. I hope you will click around and check out my site. I also have a podcast and a network of like-minded bloggers that I created. (And, I’ve just started a new weight loss blog.) Thanks for stopping by! [...]
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I read http://www.2millionblog.com a lot, and he advocates to carry large balances, do 0% transfers, and put the money into a Money Market to earn interest. This appears to be pretty common, but it feels to me like a silly thing to do. Any comments on this?
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I haven’t used a credit card since September 2004. I’ve never missed it as I use a Paypal debit card. You transfer money from your bank account to your Paypal account. Once it’s there you can use your card! Or if you shop online the Paypal card will pull the money right out of the bank account. So you never go crazy as you can’t spend what you don’t have.
The only time I had a nightmare was getting a rental car on vacation. I had a car waiting for me, reserved and no one had a problem. I fly in, go to pick up the car and they refused to accept the Paypal card even thought it had a MasterCard logo. They wanted a bank name credit card. I couldn’t believe it. They accepted it when I reserved the car! So I was high and dry totally screwed until my sister drove a few hours to show them (wouldn’t take a card over the phone) her “real” credit card and put the car on her credit card.
I hate the society we live in that really makes it hard to try to live without a credit card.
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I’ve had credit cards for over twenty years, and they’re rebated around $300/year and all of the Sony Electronics in my home (except for my computer). All I had to do budget my spending with it and pay the balance off ‘in full’ every month. Do you realize that I would have to have quite of bit of money tied up in a 4.5% money market to get that kind of yearly return. It’s a great talking point though and a great rebate card is a “reward” for having excellent credit, which a goal many of your readers have.
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Credit cards are pretty much mandatory for building your credit. I had a totally blank credit history until I finished college (lived at home, used a debit card, paid in-state tuition as I went w/o student loans, drove a used car paid in cash).
Once I moved out on my own I found I was getting blocked at every turn for having no credit. It was tough to get an apartment, and I was even denied a cell-phone deal once. I eventually started out with a secured card (all I could get) and now I have a couple of good rewards cards, which I use for everything I can.
But my question for those of you suggesting that you don’t need credit cards is what do you propose for someone with no credit history? I’d rather build credit for free by paying off my balances on a card than build my credit by paying sub-prime rates on a mortgage.
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Something I don’t hear mentioned often enough in discussions of living without a credit card is the way banks handle identity theft. If a criminal manages to sneak a charge onto your credit card, the inconvenience to you is limited to having to contest the charge. By law, your liability is a maximum of $50, and most credit card companies will cover the whole thing.
But if a criminal drains money out of your checking account using your debit card, that money *stays out of your account* until your fraud claim is resolved. This can mean thousands of dollars of your money is suddenly inaccessible to you for *weeks*. My recollection is that the legal liability cap is worse for debit cards than with credit cards, and I’m not sure what banks typically promise their customers beyond the law in this case.
I’ve had both a credit card number and a debit card number “stolen” online, and I’d much rather it be the former. I use credit cards for this reason alone, and pay the full balance every month. The money management psychology is indeed trickier, but I’d rather tough it out than give out my debit card number.
Banks will give you plain ATM cards instead of debit cards if you ask. Entering a PIN into a keypad is required to use ATM cards (e.g. at grocery stores), unlike debit cards which can be used like a credit card anywhere.
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We still have 2-3 consumer credit cards for our family use, but only for very specific reasons:
(1) We use an L.L. Bean card for buying stuff from the L.L. Bean catalog/web store because it gives you free shipping, which can sometimes represent a HUGE savings. (Also free monogramming, which is kind of cool.)
(2) We use a low-interest platinum card for online purchases. As others have mentioned, debit cards typically do not have fraud insurance and that makes them a real liability. Somebody mentioned using Paypal; sorry, but PayPal SUCKS and my experience with them has been horrible.
(3) When I have to purchase stuff for my work — I’m a professor and have to do a lot of little individual purchases, e.g. meals and hotel when I’m at a conference — I use the credit card and then let the college reimburse me. Since I get reimbursed for stuff like this within a week of turning in the expense report, I can always pay off the balance.
The main thing about credit cards is YOU MUST NOT CARRY A BALANCE. In my basic math classes I teach students about compounded interest and you should see the looks on their faces when I do the example about carrying a $5000 balance on a 20% interest credit card for a year.
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J.D
I’m not sure about the states, but here in Canada using a DEBIT card is MUCH more dangerous than using your credit card. Debit cards and the bank accounts attached are not insured if someone gets your PIN number where Credit cards are covered for fraud.
http://www.milliondollarjourney.com
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JD do you have a credit card account? Do you use your wife’s credit card – not as in actually take it and use it, but if you two need to rent a car do you use her credit card as a deposit?
I could live without using my credit card, although its a great cashflow tool as I pay off the bill in full every month by direct debit. I don’t think I could live without the account for car rental deposits, or for having a credit record. In a real emergency where I had to leave home at short notice I would use my credit card as a proxy for my emergency fund transferring the money from the actual savings accounts at the first opportunity.
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Even if you pay off your entire balance each month and earn cash back, you may still be hurting yourself financially by using a credit card. That’s because people spend an around 30% more when they use a credit card. So, unless you are getting a 30% cash back reward, you are probably spending more money than you would if you used cash or debit.
Of course, everyone will claim to be in the 1% of the population that doesn’t actually spend more while using credit. Statistically speaking, that isn’t true. It comes down to behavior and being honest with yourself.
Personally, I tend to spend more when I use credit cards, so I avoid them at all cost.
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My husband & I stopped using credit cards about 15 years ago after ruining our credit rating with huge credit card debt, owing more than $30K. Except for one incident involving renting a car from Hertz at an airport years ago, we have never had a problem using our debit cards. BTW – Alamo allowed us to rent with a debit card.
A couple of months ago we got another credit card, and I’ve got to admit, it makes me nervous. I never want to be in the hole because of a credit card again!
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jag nogg -
I am one of that 1% (LOL). I only buy gas with my card and pay it off in full every month. I would need to fill my tank no matter what, so I don’t think I’m spending 30% more by using the card.
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I think it’s pretty interesting that there are several different ways to cope with credit–and I concur with JD that it probably just boils down to psychology. More power to the people who really can stand to game the system and keep all those plates spinning without having it all come crashing down. For most others, paying off balances in full each month or avoiding credit entirely is a big load off the mind.
My husband and I are in the “pay it off in full” camp, generally, but we appreciate being able to use credit and carry a balance when necessary. This spring we bought a second house (so we could turn the first into a rental). The new house was a great deal because it was something of a fixer, and we knew we’d run up a balance for a while getting it whipped into shape.
So we did. I think the highest total on all our cards was $5K. It took about 8 months til it was all gone and we were back to paying in full each month. I hated every minute that we had those balances but I appreciate how much easier it was to get that money than taking out a personal loan for that short of time.
I supposed we could have gotten a HELOC, but I think those are *really* playing with fire compared to credit cards. The miniscule tax break isn’t worth breaking into that piggy bank!
We’ll probably run ‘em up again briefly when we tackle a few more cosmetic upgrades in the future.
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I’m trying to rebuild my credit and thought having a credit card would help since I had nothing in the “accounts in good standing” section of my report.
I just got it this month and plan to only use it for gas as well as any misc things that require credit cards. I also transfer cash to a separate account to match what I’ve spent on the card so that it still “hurts” the same, hopefully helping to keep me from spending more than I can afford.
Speaking as someone who just recently got a card, debit cards are great until you have to rent a car or get a hotel room. I know it can be done with a debit card, but it’s usually a pain. Rental car companies, for example, generally reserve an extra $250 from your account on top of whatever they are going to charge you. Yes, that money is returned a few days after the car is, but it’s a pain. I’ve seen some that simply won’t even take a debit card.
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I wonder at the statistic that people spend that much more when using a credit card–how was it obtained?
My credit card purchases are much higher than my cash purchases for one simple reason: I don’t like carrying more than $60 or $80 in cash, so when I buy a camera, or an iPod, or a computer, or a few housewares, naturally I use a credit (or debit) card.
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Im with you Get rich slowly. I do not have a credit card. And most importantly, I do not have credit card debt.
No regrets!
One thing I hate is as Adam said :
Rental car companies, for example, generally reserve an extra $250 from your account on top of whatever they are going to charge you.
I hate that. But Im willing to live with it.
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I don’t really worry about “building my credit”. I don’t plan on ever borrowing any money. As for the “safety” issues involved, I use a debit card linked to a checking account with no over drafts allowed and a fixed amount of money. I’ve never run into a problem. Granted, I don’t travel that much, but I’ve rented cars on 2 occasions, and stayed in hotels multiple times. No worries. As for carrying cash, I usually keep a couple hundred dollars on me. For those of you who feel you use cc responsibly, let me give you this challenge. Go for ONE month using cash only (or checks) and tell me how you do. I find that I spend WAY less when I use “real” money. Be honest. Don’t you spend a “little” more when you swipe that card? Why do you think fast food joints now take credit cards? Because, they are so “easy” to use. NCN
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You are a moron.
You screwed up and went into debt, now you piss and moan like a whining infant instead of accepting the responsibility.
Credit cards are NOT evil; they are a tool. Being “anti-credit cards” is a childish revenge tactic for your previous mistakes (debt).
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All accounts begin at 0 (zero). You can put money onto a credit card (actual credit) before you debit money out of it, effectively using it as a debit card.
Plus you’ll have protection (something debit cards don’t have).
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My husband and I haven’t used CCs for 4 yrs because we were in debt bad. Couldn’t even keep up with the mins. We had used the 4 major cards for medical bills and to get our sailboat ready for travels. Thinking that we would be able to keep up with the bills. But, that never happened. After the creditors and collectors drove us nuts for a long time, we serched for a det consolidater and found Debt Settlement USA. They take 12% and then keep the wolves at bay till we can get the money together to settle 40% of the total bill to each creditor. Well slowly we are getting things taken care of. We don’t ever want to go through this again.
We have a debit card and it works fine for reservations and car rentals. Just have to make sure the money is there and be responsible.
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You know, I had trouble with debt myself at a young age, but at least I didn’t starve ( my debt was for things like food and books). I found myself “rock bottom” I guess and swore I would never live/feel that way again.
And that is the reason I now use credit cards and do so RESPONSIBLY. I realize some people are “addicts” and feel the only way to overcome their addiction is abstaining. Well good for them, but I prefer to deal with problems head-on and manage them.
I also HATE HATE HATE preachy a-holes. You know the type like Ramsey who make a moral case of this stuff ( which is easy to do if you are a millionaire with a comapny that pays its bills late…)Whether its debt, gambling, alchohol , whatever. My philosophy is one of individualism and responsiblity.
So I appreciate JD’s rational sane response that different things work for different people. I am not going to call someone who doesn’t use credit an idiot, but don’t call me one for having self control.
As far as NCN’s points: No I don’t spend less if I use cash. I have to eat, buy gas, pay utilities,etc. All those costs are pretty much fixed and will be paid regardless. I buy the type of food and amount I need regardless,etc. There is nothing to “cut” by using cash, unless I am going to take food away from my family or something.
In fact my wife spends a lot MORE when she has cash. Believe me I’ve tested it out. I gave her a card to pay for everything and it saves money. Everything goes on there, food, utilities, whatever. End of the month it all gets paid in 1 electronic transfer.
Buying a house costs less than renting. I know this isn’t the case everywhere but it is in many places. My mortgage may have (small)interest but it costs less than renting and not building any equity. When I retire ( well I’m semi-retired in my 20s, and I never plan to retire 100%, so I guess I mean when I’m “old”) my home will be paid off.
My student loans are 2.6%- I have no interest in ever paying them off ( except on time). They made me a lot more money than they cost.
I have never financed a car and I bought my current used car cash almost 10 years ago. As long as I can remember I have hated the thought of financing and buying new cars. However, when I need my next one I am going to get a NEW car. Might use cash or a credit card, but if I can get 0% through the dealer, hell why not.
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i have no particular opinion on not using credit cards, but keeping them open. i agree that it somewhat seems like to you are getting your “revenge” against them, but hey, that always worked for Rambo and Chuck Norris, so go for it. i used movie “revenge” over real “revenge” for a reason – it doesn’t actually hurt anyone and it’s a bit of fun.
however, 2 points on the comments:
1 person mentioned fund transfers and high balances: that’s a good SHORT TERM strategy, but you will lose in the long term. Pay them off in whatever order you choose, don’t f’ around with transferrng $10k around to save $100 bucks. it’s not worth it, and if you mess up, you’re out your $100 bucks. and you will mess up.
Point 2: Way too many people in this tread mentioned having American Express credit cards. WHY? why have a card that gives you a pittance back, and makes you pay for the privledge? Plenty of cards offer cash back for no annual fee. if you really want the credit industry to get better, stop rewarding the ones who rip you off. American Express has no advantages over other cards like it used to. they always try to play up the “no credit limit” thing, but if you need a higher credit limit, all you have to do is call to raise your limit if you have a MasterCard, Discover, or Visa.
and i’m probably one of the people who spends more per purchase with a credit card than i would with cash, but make way fewer purchases with credit cards, and if i have cash, I use it all up. ie if i have a $20 in my pocket, then lunch or the grocery store trip is gonna be $20. so it all evens out.
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I use the feature of balance transfer and benefit from 1.99% interest rates on my credit card. Yes.
First I calculate how much I can pay off before the 1.99% expires and that is the amount I transfer.
Otherwise, I spend no more than I can afford to pay off the next month. That way I don’t pay interest at all. Kind of like overdraft.
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NCN. So you don’t worry about building credit? I guess you always have enough cash lying around to buy a car? Or a half a million dollar home?
Everyone needs credit. You just have to use it right.
I can go a month using cash. That’s easy. I just don’t like carrying all that change around. That’s what a debit card is for.
Like I said, my credit cards are simply for internet purchases, car rentals, or emergencies. Pay in full every month.
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[...] Eles explicam que você pagar com dinheiro em cédulas e moedas leva o mesmo tempo que passar o cartão. Além disso, dói muito mais no bolso pagar algo que custa 100 reais com dinheiro vivo do que com cartão. I Do Not Use Credit Cards [No Credit Needed via Get Rich Slowly] [...]
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It depends on the person. My wife and I find that we have less wasteful spending by using cards only and not taking cash out. This is because when we tend to have cash, we tend to spend it on a bunch of little things that we don’t really need – things we wouldn’t whip the card out for. Also, we live within a budget and have our own personal ‘allowance’ to spend as well.
I think credit cards are bad for people that tend to make LARGE spontaneous purchases. Meanwhile cash is bad for people who tend to make many small spontaneous purchases.
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[...] I’ll begin with a link to someone who has successfully weaned himself off credit cards. He makes some fascinating points including: [...]
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[...] If things are getting out of control, get rid of your credit cards. Studies show that people who have no credit cards spend less. This won’t apply to me because I do own a few cards which I use for convenience, but you’ll need to assess your own situation and what you’re comfortable with. [...]
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[...] Much love to Get Rich Slowly for doing a post about my post which led to this post… Share and Enjoy:These icons link to social bookmarking sites where readers can share and discover new web pages. [...]
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[...] There are lots of talks recently on the use (or not use) of credit cards (J.D. hasn’t used a personal credit card for five years, NCN didn’t have any problem in the past two years without swiping the plastic, and The Silicon Valley Blogger just listed 9 reasons why she loves her credit card) and some professional writers suggest getting ride of credit card as one of the debt reduction techniques. [...]
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I haven’t had a credit card in four years. Mortgage went away two and a half years ago along with the car payment. I looked at my life at where I used to live, sold over-taxed, over-priced real estate, quit my job and went someplace warmer.
Sure there’s a lot of bennies that credit cards offer, but it doesn’t overcome the mental benefit of owing nothing.
I live cheaply now. No cable, No live television, nothing beyond the Sunday paper. No movies or eating out, or take out. My place was paid for in cash from the old one.
Credit cards smell like rat racing and I’m not running anymore.
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[...] I Do Not Use Credit Cards – Get Rich Slowly has given some reasons why we shouldn’t have a credit card. [...]
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[...] begin with a link to someone who has successfully weaned himself off credit cards. He makes some fascinating points [...]
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[...] personal issue, and different methods work for different people. See posts on this topic from Get Rich Slowly, No Credit Needed, and Digerati Life. All good [...]
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[...] personal issue, and different methods work for different people. See posts on this topic from Get Rich Slowly, No Credit Needed, and Digerati Life. All good [...]
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Christine: You need to read the Paypal terms and conditions you agreed to. Moving your money into a Paypal account is rather foolish. Since Paypal is not a bank they are:
1. Not FDIC insured
2. Not required to follow any sort of banking regulations.
They can and will lock your account for any reason. Kiss your money goodbye.
(it’s all fun and games until someone fraudulently opens a Paypal account using your snail mail address and they lock your account for fraud…)
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i don’t use credit cards because i don’t like interest rates
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I appled for about 3-4 credit cards just to get the $50 perks and join on bonuses and then I cancel a few months later although I feel kind of guilty doing so. Does anyone know what I mean?
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