does anyone else here...

[alwaysgrowing]

use their credit card, then pay it off right away. I hate carrying any debt. So when i use my card, its paid off right away

[redback]

i rufuse to use them except for booking something online or whatever. If you dont have the cash you shouldnt be spending it.

[FitnessBrat]

I agree redback...

I don't even own a credit card. My debit card has a Mastercard logo, and that's all I need....

[gymratin]

yep, im with fb debit card for everything - credit cards will kill u

[alwaysgrowing]

i just ordered some books two days ago. It got posted on my card this morning, and paid off the same. I don't see the point in paying interest, unless needed (such as car, mortage)

[NewbieChris]

Everything I have is in credit. Especially now. :rofl:

In all seriousness though. I don't have a credit card, but I might get one when I graduate. I'm always worried about online purchases and if someone steals my Debit card number...thats MY money gone. Not Visa's and I don't really feel like my bank is all too concerned. One time I got a bill at the end of 2006 from a bar in State College. A bar I hadn't been to in probably 2 - 3 Months and it was for about 80 dollars. Called the fraud department and they said they would check it out. They said it was from when I went a lot earlier in the year. I don't know how much I believe that. I've never spend 80 bucks at a bar. I barely drink 1 or 2 when I go out...None of it fit. Needless to say, they aren't my bank anymore.

I'm still waiting for the credit card market to fall through. That'll be fun.

[Bouncer]

i have a credit card and a debit card. like redback said, the credit card comes in handy to book a vacation online or a cruise or whatever. i dont really want $1500-$3000k taken out of my bank account all at once before we go on vacation. so when we get back i usually pay it off in 2-3 payments.

[The_Grinder]

I have a credit card but use it very carefully. Mainly just for getting gas and some other various purchases. I'm about to graduate college so I need to build some credit for future loans and such.

[JUICE]

right now im just waiting to pay it off. Once i do im not going to use it for a while or only emergencies. Not to mention the APR on most, that shit adds up when you dont pay it on full or give minimum.