I can't afford a credit card. I barely make ends meet; my financial situation is too precarious to go adding on debt that I KNOW I will struggle to pay off. So I just do without.

I have both, but we only use the credit card for emergencies. We have 4 kids so I think that it is neccesary if we have a medical or other emergency. Other than that we use cash or debit or checks.

Same here. But I pay it off in full every month so no interest charges!

Same here! I never carry cash.

I have a debit card but no credit card although Anakin is the one who carries on so technically we do have credit cards if you count us as a couple. I got into credit card problems so I prefer not to have one.

We have a mass of credit cards. Probably too many. But, imo, life cannot be run as an adult without them. Emergencies happen, as do children's expenses, home repairs, car repairs, large purchases, I even use our credit cards to keep track of medical expenses as my health requires a number of prescriptions to be bought. Not to mention any kind of travel or having to rent a car when yours is in the shop.

I don't know how people can manage without a credit card. You can't buy anything online, make airline reservations, you can't make large purchases, unless you go to the bank and get a cashier's check or carry large amounts of cash (I mean really, outside of my MIL, WHO really uses checks anymore?) you can't rent a car or even make reservations on most hotels and so many other things.

Kayla, what is their reason for not having a credit card? Are they one of those "We have NO debt and are damn proud of it!" people? Ug. My In-laws are like this ,as is my mother and it drives me crazy. I want to just tell them, "Shit, pull yourself into the 1970s already, will you?"

My MIL's parents never even had a checking account. They would go to the bank ever time they had to pay a bill, any bill, and PAY for a cashier's check. They were the kind of people who "don't trust nobody with our money." Sheesh. Penny wise and pound foolish.

Now that I am thinking about it, I answered wrong. i used to have a debit card and do not anymore. Our bank has debit onthe card but only to take money out the ATM I suppose. It is always as credit which makes it annoying to get gas at a cash or debit only place

I have both debit and credit. It was a necessity to have a credit card at one time and I payed for the fact that I lived pay check to paycheck, but still did whatever I wanted. I've gotten my debt in order and use my credit card responsibly now. I think that is most important if you are going to have one.

Almost impossible to live without one (try renting a car without one...impossible), however we use our DEBIT card for almost everything. Convenience of credit, with NO debt or interest to pay.