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<blockquote data-quote="rodga" data-source="post: 1068110" data-attributes="member: 13670"><p>When I got my firdt credit card I learnt very quickly how easy it was to overspend.</p><p>For a long time thereafter I used my Virgin credit card as my everyday card and cleared the balance at the end of the month, I did not have a huge limit on this card and auto increases were turned off. After they pulled out of the country and closed all accounts in march I started looking for a replacement cc, but I couldn't justify the monthly fee everyone else wanted to charge. I then decided I will get one when I need one.</p><p></p><p>One thing I can tell you about not having a credit card is that I am much more selective over what I purchase now, as I am using my own present money, and not future rodgas end of the month money. Thats reason enough for me to not get one again.</p></blockquote><p></p>
[QUOTE="rodga, post: 1068110, member: 13670"] When I got my firdt credit card I learnt very quickly how easy it was to overspend. For a long time thereafter I used my Virgin credit card as my everyday card and cleared the balance at the end of the month, I did not have a huge limit on this card and auto increases were turned off. After they pulled out of the country and closed all accounts in march I started looking for a replacement cc, but I couldn't justify the monthly fee everyone else wanted to charge. I then decided I will get one when I need one. One thing I can tell you about not having a credit card is that I am much more selective over what I purchase now, as I am using my own present money, and not future rodgas end of the month money. Thats reason enough for me to not get one again. [/QUOTE]
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