I live in Europe, and as I've been following these conversations i've been shocked of how almost all of you seem to use credit cards all the time!
Myself being warned over thouse all my life (and i don't own one, for that matter!) and having seen so many friends getting their lifes screwed up by little meaningless depts, I started to wonder, why do you all use them?
Ok, if one has steady income and ability to pay loans back in correct time it works, but why not to save up the money and get all the things you want on hard cash/bank loan?
I know things are a bit diffrent in USA than in here, but this I've never undestood.. are credit cards simply a custom? Do you have/use so called bank cards at all? Or do credit card companys give some extra benefits (insurances etc) to their customers to make it work purchasing?
I'm just wondering, and thouse of you who dont have one/use one, please speak out! Is it REALLY that much tougher to live in US without CC?



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*sigh*
So glad I don't have to file for bankruptsy.




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