Not been overdrawn
In about six years. Mind you I have neither credit cards, loans or overdrafts. And I do have a fucking bonkers telly, too. Woo.

Instead of a credit card, I have another bank account. I put money in it and use it when I'd normally use a credit card.

It's called a savings account.
(Miraclefish How appropriate, you fight like a cow, Fri 17 Jul 2009, 17:17, 1 reply)

lolz
Yes. I think that credit is like drinking or gambling: some people just can't do it safely.

I have never had a loan, credit card, overdraft etc. I don't want one either, because I have a feeling I'd end deeply in debt.

Don't do it kids, it's not worth it!
( Sextant goes to him is emotionally erect, on this day, Sun 19 Jul 2009, 11:22, closed)

Never a truer word said
Up until 2 years ago I'd never had a loan, credit card or overdraft.

Fast forward to now and I'm nearly 5k in debt thanks to 3 shiney credit cards and a £500 overdraft limit.

I still remember the day I applied for and got my first credit card. Ignored all warnings from my friends who all knew I was, how shall we say, somewhat irresonsible when it came to money anyway.

Ah well, live and learn (and I'm glad to say I actually have, haven't used a card since christmas).

3 years and I'm clear. Pisses me off though that for that money I could have travelled the world and instead I'm just lumbered with thousands of pounds of debt and only an ipod nano to show for it.
(TheManWithThePlan cussed your mum on, Mon 20 Jul 2009, 9:52, closed)