# Who DOESN'T have credit card debt? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [May 22, 2002, 10:13pm UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378 "2002-05-22T22:13:41Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![Kayeby](https://avatars.discourse-cdn.com/v4/letter/k/9de0a6/32.png) [@Kayeby](https://boards.straightdope.com/u/Kayeby)\ **Post date:** [May 23, 2002, 12:34am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/21 "2002-05-23T00:34:15Z")
Does it count if I don’t have a credit card? As far as I know, I’m not in _any_ debt. ---
**Author:** ![Caught\_Work](https://avatars.discourse-cdn.com/v4/letter/c/919ad9/32.png) [@Caught\_Work](https://boards.straightdope.com/u/Caught_Work)\ **Post date:** [May 23, 2002, 12:36am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/22 "2002-05-23T00:36:04Z")
It would appear I’m one of the strange ones. Got a card when I was 18 and for the next 19 years (up to today) has never been paid off. Currently owe around $5K (AUD) which is around $10K (USD). Revolves somewhere between $2K (AUD) and $15K (AUD) depending on what I’m buying. The latest splurge was ‘comic-art’ from The Simpsons and The Flintstones so that bumped it up a bit. ---
**Author:** ![friggae](https://avatars.discourse-cdn.com/v4/letter/f/45deac/32.png) [@friggae](https://boards.straightdope.com/u/friggae)\ **Post date:** [May 23, 2002, 12:41am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/23 "2002-05-23T00:41:10Z")
> [@](#): > > \*Originally posted by WillGolfForFood \* > \*\*Another such animal here. We put nearly everything (including the groceries!) on our Discover card and always pay it off completely when the bill arrives. 30 days free credit, no interest charges, and once a year the nice Discover folks send us a small cashback check based on our total charges for the year. \*\* Exactly the same here! ---
**Author:** ![Kayeby](https://avatars.discourse-cdn.com/v4/letter/k/9de0a6/32.png) [@Kayeby](https://boards.straightdope.com/u/Kayeby)\ **Post date:** [May 23, 2002, 12:57am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/24 "2002-05-23T00:57:52Z")
> [@](#): > > \*Originally posted by Caught@Work \* > **Currently owe around $5K (AUD) which is around $10K (USD).** _quietly nudges **C@W** _ 😃 ---
**Author:** ![Ell](https://avatars.discourse-cdn.com/v4/letter/e/e47774/32.png) [@Ell](https://boards.straightdope.com/u/Ell)\ **Post date:** [May 23, 2002, 1:05am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/25 "2002-05-23T01:05:21Z")
Wow! **C@W** , who is your broker? Personally I don’t have any credit card debt, but then again my largest bill to date was a smidgin over $300. ---
**Author:** ![interface2x](https://avatars.discourse-cdn.com/v4/letter/i/c0e974/32.png) [@interface2x](https://boards.straightdope.com/u/interface2x)\ **Post date:** [May 23, 2002, 1:20am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/26 "2002-05-23T01:20:36Z")
Mine currently has about $185 on it, but that was all incurred over the last month. I paid it off the previous month. Overall, not too bad for a guy in his early to mid 20’s, if you ask me. Colin ---
**Author:** ![even\_sven](https://avatars.discourse-cdn.com/v4/letter/e/dfb087/32.png) [@even\_sven](https://boards.straightdope.com/u/even_sven)\ **Post date:** [May 23, 2002, 1:39am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/27 "2002-05-23T01:39:41Z")
No credit card debt here. My parents never used credit cards, so they were never really part of my existance. My family has always turned to each other in times of financial crisis, and nobdy really needs to rely on a credit card. But…um…don’t ask me about student loan debt, alright? ---
**Author:** ![AHunter3](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/ahunter3/32/368_2.png) [@AHunter3](https://boards.straightdope.com/u/AHunter3)\ **Post date:** [May 23, 2002, 1:40am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/28 "2002-05-23T01:40:58Z")
::raises hand proudly:: me! me! In April I paid my last $400 on my last outstanding credit card debt, which spanned three cards and 10 years. Now everything’s paid up at the end of the month and I won’t ever go there again! ---
**Author:** ![Essured](https://avatars.discourse-cdn.com/v4/letter/e/278dde/32.png) [@Essured](https://boards.straightdope.com/u/Essured)\ **Post date:** [May 23, 2002, 2:03am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/29 "2002-05-23T02:03:51Z")
No credit card debt here. I use a debit credit card, so I can pay bills on the phone, use it overseas and on the internet, but know that I’m only using my own money. I have got loans, but they are rapidly being paid off. ---
**Author:** ![Barking\_Spider](https://avatars.discourse-cdn.com/v4/letter/b/9dc877/32.png) [@Barking\_Spider](https://boards.straightdope.com/u/Barking_Spider)\ **Post date:** [May 23, 2002, 2:43am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/30 "2002-05-23T02:43:26Z")
It’s been many years since I ran a balance on my credit cards. I pay em in full when they come in. I do however, use the “no interest for 6 months” deals at Best Buy and Home Depot. And I always wait until the last month to pay them. ---
**Author:** ![Big\_Kahuna\_Burger](https://avatars.discourse-cdn.com/v4/letter/b/e0b2c6/32.png) [@Big\_Kahuna\_Burger](https://boards.straightdope.com/u/Big_Kahuna_Burger)\ **Post date:** [May 23, 2002, 2:54am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/31 "2002-05-23T02:54:44Z")
I’ve had a card for a year and I’ve never had any debt. Then again, I’m a spoiled brat whose parents pay his credit card bills… d+r ---
**Author:** ![Zap\_Rowsdower](https://avatars.discourse-cdn.com/v4/letter/z/3da27b/32.png) [@Zap\_Rowsdower](https://boards.straightdope.com/u/Zap_Rowsdower)\ **Post date:** [May 23, 2002, 3:23am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/32 "2002-05-23T03:23:27Z")
I only have one card and do not have any debt. If I do not have the money on hand, I do not buy anything. I do use my credit card for groceries because it is easier and safer than debit cards, but I pay it all off at the end of the month. Also, I do not have the need to buy lots of “things”. I already have to much junk and do not want to add more. Seeing people who are in debt and hearing about others, it is nice not to have that headache to worry about. ---
**Author:** ![heresiarch](https://avatars.discourse-cdn.com/v4/letter/h/278dde/32.png) [@heresiarch](https://boards.straightdope.com/u/heresiarch)\ **Post date:** [May 23, 2002, 3:34am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/33 "2002-05-23T03:34:38Z")
Hey, thanks for reminding me. I need to transfer some funds… There. No more debt. 😃 I wish my wife would let me pay off her credit card debt so that she could stop paying interest. Se doesn’t want to take my money. ---
**Author:** ![OttoDaFe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/ottodafe/32/356_2.png) [@OttoDaFe](https://boards.straightdope.com/u/OttoDaFe)\ **Post date:** [May 23, 2002, 4:29am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/34 "2002-05-23T04:29:53Z")
> [@](#): > > \*Originally posted by whistlepig \* > \*\*I’m another one who charges everything and pays it off in full each month. I currently am using an Alaska Airlines card for the miles. In October, it will have been 13 months since I had a Delta Sky Miles card, so I can re-apply and get the 10,000 miles for being a new customer. I haven’t paid for a flight in years, including a couple of trips to the Caribean. \*\* I’m with **whistlepig** (in more ways than one: I graduated from Carroll). Only one card–Alaska–and when I charge something, I deduct it from my checking balance and enter it in the back of the register. Also helps at statement time, when I don’t have to paw through a stack of crumpled receipts to verify the charges. ---
**Author:** ![DeadlyAccurate](https://avatars.discourse-cdn.com/v4/letter/d/ac91a4/32.png) [@DeadlyAccurate](https://boards.straightdope.com/u/DeadlyAccurate)\ **Post date:** [May 23, 2002, 5:58am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/35 "2002-05-23T05:58:32Z")
Me, me! Make online purchases (and the ISP bill) on our credit card and pay it off each month. I use a debit card for IRL purchases. ---
**Author:** ![nightshadea](https://avatars.discourse-cdn.com/v4/letter/n/7ba0ec/32.png) [@nightshadea](https://boards.straightdope.com/u/nightshadea)\ **Post date:** [May 23, 2002, 6:24am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/36 "2002-05-23T06:24:29Z")
In my case I have one of those new unsecured credit cards that you get a balance of say 300 and by the time fees and every thing are paid on the card I actually got to spend about 50 of it So right now since ive had to use it recently theres the last 20 dollar payment on it ---
**Author:** ![nightshadea](https://avatars.discourse-cdn.com/v4/letter/n/7ba0ec/32.png) [@nightshadea](https://boards.straightdope.com/u/nightshadea)\ **Post date:** [May 23, 2002, 6:26am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/37 "2002-05-23T06:26:11Z")
err i meant fees are added on the card ---
**Author:** ![kitarak](https://avatars.discourse-cdn.com/v4/letter/k/898d66/32.png) [@kitarak](https://boards.straightdope.com/u/kitarak)\ **Post date:** [May 23, 2002, 8:19am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/38 "2002-05-23T08:19:56Z")
I have a credit card, but rarely use it (I prefer to use a debit card). Simply because I expect I would accidentally run up a credit card debt were I to use it. It seems the safest option. ---
**Author:** ![El\_Elvis\_Rojo](https://avatars.discourse-cdn.com/v4/letter/e/898d66/32.png) [@El\_Elvis\_Rojo](https://boards.straightdope.com/u/El_Elvis_Rojo)\ **Post date:** [May 23, 2002, 10:18am UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/39 "2002-05-23T10:18:35Z")
I’ve got a card, but I haven’t used it since February. It’s for emergencies only, and I haven’t had any emergencies since last June. I just don’t use it. I’m able to buy what I want when I want it, and control myself not to buy it when I can’t. ---
**Author:** ![Philster](https://avatars.discourse-cdn.com/v4/letter/p/13edae/32.png) [@Philster](https://boards.straightdope.com/u/Philster)\ **Post date:** [May 23, 2002, 12:37pm UTC](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378/40 "2002-05-23T12:37:34Z")
zero credit card debt. [Previous page](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378.md?page=1) [Next page](https://boards.straightdope.com/t/who-doesnt-have-credit-card-debt/110378.md?page=3)