4 reasons to not use credit cards

Today’s guest post was written by blogger, Jana Lynch. Jana and I are both living a very counter-culture lifestyle and loving every minute of it.

Photo by Daniel Oines

Photo by Daniel Oines CC

 

Confession: I don’t use credit cards. Neither does my husband. We survive fine, too.

We stopped using them about seven years ago when we decided to pay off all our credit card debt. We realized how out of control we were when we used them, and we realized we couldn’t be trusted with them in our wallets. It was how we got into debt in the first place.

At first it was difficult; we had become accustomed to charging any and everything and using cash or our debit cards seemed…weird. But we knew what we stood to gain if we refrained from using them so we stood firm in our resolve. It worked, too, because we paid off our credit card debt and have managed to remain that way for 3 years. And, seven years after our initial commitment, I’ve realized that, in addition to the debt, there are a few things I don’t miss about credit cards.

For instance:

  1. Having a bulky wallet. Carrying all those cards around bogged down my wallet and made my purse heavier than it needed to be. I’m pretty much resigned to having a ridiculously large mom purse, but I can slim down my wallet. Now I can find all the important cards (like my insurance or library card) when I need them and my purse is lighter.
  2. All those bills to pay and fees for late payments. I am not the most organize person and, even with having a list of bills written down, I sometimes manage to forget one. When I had credit card debt, it was more bills to remember to pay and not paying those had serious consequences. Plus, I’m fairly lazy and want to spend as little time as possible paying bills. Without the credit cards, that happens.
  3. One less worry about ID theft. Last year, my alma mater’s system was breached and identities dating back to when I was in school (mid-late 90s/early 00s) were compromised. Then there were all those breaches at Target and other stores I can’t think of right now. Not having credit cards, and not having to remember which card I used at which store, gives my paranoid brain a little peace of mind. It’s one card to keep track of, and it’s a debit, so I know instantly if there’s a problem. No waiting for a statement to figure that out.
  4. Less bills to pay. I’ll admit that I am not great at remembering to pay bills on time. I have the majority of our bills set up for an autodeduction and the ones that aren’t (utility bills) get paid once a month, on one particular payday. When there are credit card bills due, it’s one more thing to remember to pay, it’s more money going to someone else than staying in my account, and it’s one more chance to make a mistake that might, quite literally, cost us. Without them, it’s easier to pay the bills and I’m more efficient. Plus, the extra money helps out with other expenses.

This is not to say that credit cards are evil. If you can use them properly, then have it. I just know, and have a proven track record attesting to it, that I can’t. So I stay away.

Getting out of debt, and getting credit cards out of my life, was one of the smartest choices I made. And while it’s not easy, refraining from credit card use, I do it. I would love to walk into a store and buy all the things and not worry about how I’m going to pay for them that day. But I also know the stress it’ll cause isn’t worth it.

So I keep the credit cards at home, locked away.

Everyone is better off.

How about you? Do you use credit cards? Why or why not?

Jana Lynch is a blogger at Jana Says, where she talks about everything from parenting to pop culture to mental health issues, and runs the blogger mentoring program Bloggers Helping Bloggers. You can stop by and say hi on Facebook, Twitter, Pinterest, and Instagram.

 

Please note: I reserve the right to delete comments that are offensive or off-topic.

  • Chris Holmes

    Good words. I gave up credit cards 7 years ago. I have one issued by my company to me, but I do not have any others. I love not having the option to use one!

    • It really makes you think about your spending when you don’t have the option to charge things.