I have to agree.
No offence and all that - well done for getting out of debt but...

I am 19 years old, I have four credit cards and i use them just for conveniance, i.e if I want this before pay-day i will use my card and pay it off on payday. In the 3 years i have had cards I've never incurred interest. It's just about how strong your self control is.

:)
( Axai is in Montréal, Canada O.o, Mon 22 Dec 2008, 13:45, 1 reply)

That's how I started out...
But as you may notice the question of the week was about addiction, which as the dictionary describes as:
–noun
the state of being enslaved to a habit or practice or to something that is psychologically or physically habit-forming, as narcotics, to such an extent that its cessation causes severe trauma.

Anyway, well done on the card no interest thing but you may find in the future that you're a bad credit risk because you aren't making the banks any money..:

#

Credit card companies may reject you for always repaying cards in full.

While you feel like the perfect punter, for credit card companies you’re a nightmare. If they can spot this trend, you’re likely to be rejected. The most profitable credit card customers are those who are perpetually in debt, never defaulting, but always managing to meet the minimum repayment.

Pay off in full every month, don’t use cards enough, or always shift debt to 0% cards, and if they can spot you, they may reject you.

From: www.moneysavingexpert.com/banking/credit-rating-credit-score
(Kip, Mon 22 Dec 2008, 16:30, closed)