Credit Cards

I get an average of 4 offers a week for 0% for 10-15 months. If you need to use one, get one of those.

 

you need one to rent a car....and in some cases to buy plane tickets.

Im sure an ATM card works for this though

I used one when I was unemployeed for a while

 

Yeah, debit works for those in almost all cases. One car company wouldn't rent me a car, so I found another one that did.

 

Having a credit card makes a lot of things easier and it's damn near impossible to get a rental car or airline ticket without. A lot of those don't take debit cards. Don't really cost anything if you use it right.

 

Not really.

 

I know what you're saying. I went without a credit card even a few years into marriage. It's doable, but the bottom line is there's no good reason to go without and it makes some things easier. Sometimes even just stupid shit, like your debit card doesn't work at the supermarket, you have an available alternative. I know a guy who bought a Harley just to resell it (when their demand far exceeded supply). Instead of going through a big financing deal on it, he just put it on his credit card and resold it before it was time for it to accrue interest. It's just another tool in the toolbox.

 

If your going to be giving out a number for reservations, tickets, online shopping your a hell of alot better off if it's a credit card number as opposed to one tied to your actual money.