[mattdotc]

Hopefully you're building up credit some other way. You can still spend the money you have with a credit card. I pay my balance in full twice a month, just to ensure I never pay any interest.

It's better than paying with a debit card because you aren't on the hook for fraud. I learned this lesson the hard way.

[15155]

> Hopefully you're building up credit some other way.

Literally any installment credit will be better for credit-building than the vast majority of revolving credit individuals have access to.

CCs are far superior to debit cards in almost every way. If you don't possess self-control, maybe that sentence doesn't hold true. There are a number of disadvantages to using a debit card where a credit card can be used instead.

[balabaster]

It's not just self control in isolation though. That self control is being assaulted relentlessly by social conditioning from peers, society, media, advertising, corporations and the Government. It's not a wonder the economy is in the state it's in.

With virtually everything around you lying "Go on, spend it, it's good for the economy, you deserve it, it'll make you feel good and fill that pit of emptiness you're trying to fill, credit is better, you need credit, you need to build credit." coupled with the fear ads of "Bad credit, no credit! We've got the solution for you to get it!" and companies that are impossible to deal with without a credit card - I'm looking at you hotels, flight companies and car rental places!

Society makes it painful at every turn to live without a credit card and then when you do find a way, people look down on you like you're somehow a freak of nature, shunning the natural order of things.

Ugh...