What's your credit card and why is it best for you?

[the2real4mafol]

Kasz216 said:

the2real4mafol said:
The credit free life.

But seriously, i won't get a credit card because i don't think they are worth it. It's so easy to get into debt with that bit of plastic. I would rather use my own money thanks.

Not like it matters now, but i'm from London, England.

Problem with that is... if you don't get a credit card, you don't build up a positive credit hisotry.  Which if you don't have a credit history you may as well have a shitty credit history.

Then your stuck unable to get a house loan at a good rate... if at all.

I have one credit card that i use for bigger purchases, and i pay it off in full at the end of the month.

I don't understand that at all. Why can't they just use my bank account/ debit card history to determine if i can a mortgage/ loan?

Not like it matters, there is no way i could afford to own a house in London anyway. Most people can't, anymore. Damn housing bubbles!