Comments on: Preparing For Life Without A Credit Card

By: Mike Ireland

Mike Ireland — Mon, 11 May 2009 14:27:26 +0000

It is made very awkward to shop online without a credit card, particulaily for hotel bookings and car hire. As far as I can see there is no easy way round the need for credit cards for travel products- or does anyone else know a way? Also credit cards offer good protection against supplier failure – but its easy to get into debt!

By: Lea

Lea — Mon, 24 Nov 2008 01:54:34 +0000

I am so thankful I found this site. I have decided to try to manage without a credit card as well. So far it has gone well. I am staying out of debt because I just don’t impulse buy anymore. I may not have that new flat screen TV I want…yet. But I go to bed everynight with a peaceful mind.

By: Karla (threadbndr)

Karla (threadbndr) — Thu, 09 Oct 2008 17:15:49 +0000

My solution for the “denied because the chage is from an odd place” problem is to have my (used for internet sales and travel only and paid off with allocated money when I see the charges hit online) VISA card issued by my local credit union. They are small enough and personal enough that I can just call up and say, “I’m heading out on vacation on Friday. Look for charges from Florida….” Never had an issue, and the rates are WAY low (not that I carry a balance).

I don’t like the way the car rental places can put these huge holds on your checking account if you use a debit card. I have enough bills on auto debit that I don’t want to mess up. So I use that one CC still, but for very specific things and seldom have a balance carry over. (Once in the last four years.)

By: gunasekara

gunasekara — Mon, 30 Jun 2008 12:37:30 +0000

can i make a hotel booking

By: joshua

joshua — Sun, 23 Mar 2008 02:08:18 +0000

i never had a cc and never will.

money in the bank, and a debit card is the way to go.

By: Shari

Shari — Tue, 26 Feb 2008 04:41:23 +0000

I was accompanying a friend moving to another city and was purchasing furniture for her at a department store with one of the two credit cards that I when I travel so that I don’t have to carry cash. The purchase was denied so I used the second card successfully. The next day I attempted to purchase a vacuum for her and the purchase was denied. In both cases I had to show my picture id, before the merchants ran the credit cards. After calling the first and approving the purchases, the card was unblocked and then when I attempted to purchase food at a restaurant the purchase was denied. For the second card, the number on the card said it was not in the correct area code and could not be completed. So I am not at home and the two cards I use when I travel are both blocked. After returning home, I contacted both credit card companies and was given 30 minute lectures on what they do for me so that I don’t have credit card fraud. The lesson for me is that I am naive to think that I can use credit cards when I travel in this age of credit card fraud. The companies are protecting themselves from losses, although in many cases the consume can be held responsible, in addition to the inconvenience of replacing identification and credit cards. I have been reluctant to carry cash. Travelers checks are often not accepted at merchants due to fraud and counterfeits, so I haven’t used them for a while. And now it appears the only solution is cash. I think the best way to approach this change is to rely exclusively on cash.

By: Laptop Computer WebLog » Blog Archive » Our Services & Notices

Laptop Computer WebLog » Blog Archive » Our Services & Notices — Thu, 26 Jul 2007 04:05:39 +0000

[...] No Credit Needed » Blog Archive » Preparing For Life Without A … Free ATMs. FDIC. Open online now. The Orange Savings Account. … for a home, but I do check my credit report … 16th, 2007 at 9:10 pm […] – No Credit Needed’s Preparing for Life Without a Credit Card http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/ [...]

By: Laptop Computer WebLog » Blog Archive » Cards2apply Credit Card Offers

Laptop Computer WebLog » Blog Archive » Cards2apply Credit Card Offers — Thu, 26 Jul 2007 03:39:15 +0000

By: Leftover$ « Bourgeois and Broke

Leftover$ « Bourgeois and Broke — Wed, 11 Jul 2007 03:08:34 +0000

[...] kinda touched on this a few months back when he posted about preparing for life without credit cards. He talked about creating not only a monthly budget, but also breaking that down into weeks and [...]

By: cedit card holder

cedit card holder — Mon, 30 Apr 2007 04:54:52 +0000

It is a business of credit card holder whether to use card or not, or even do not have any card at all. As for me, I use my credit cards only for purchases and satisfy with this convinience. I will try to live without credit cards and pay cash, but only because of the interest to see the difference.