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AIBU?

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Original poster

AIBU to have never had a credit card?

202 replies

Statsquestion1 · 11/04/2026 07:21

Has anyone else never had a credit card? I have literally never had one. Surely I’m not the only one?

Edited to add- I’m in Ireland so the “extra protection” they provide in the uk under section 75, does not apply here

OP posts:
SalmonOnFinnCrisp · 11/04/2026 07:23

They are useful for payment protection and large purchases.
Historically Its helpful for mortgages.

CC doesnt = debt.

Most people have them but im sure some people dont.

Boomer55 · 11/04/2026 07:22

I have them - simply because they give a certain amount of protection with large purchases. But, I never sit interest - they are cleared every month. It works for me. 👍