How to Live With No Credit Cards

These days more people are choosing to live their lives without credit cards, which is a good thing if it can be managed. However, they are vital to your credit report, which allows you to get other types of loans including mortgages and personal loans. There are many reasons people don’t use cards because it is a risk for fraud and it can be problematic for them to not use them. There are plenty of things that require a credit card, but here are ways to get around the rules.

 

First off, you need one of the top credit cards to rent a car. Depending on the agency and your age it might require a credit card. However, if you are over 25 you can get away with using a debit card, but the agency will put a hold on the required amount of money in your account until the car is returned.

 

For renting a uHaul, especially online it requires a credit card, but you don’t necessarily need to pay with one. However, make note that if you pay with cash you will be required to pay the full rental amount and a security deposit when you rent the vehicle.

 

Renting a hotel room also sometimes requires a credit card, or at least a debit card. However, like other places they will be putting a hold on the required amount of funds that are in the bank for the amount they estimate you will have to pay. This can be a pain because then you wouldn’t have all of your funds available to you when you need them.

 

To get around this simply open up an Apple ID, which doesn’t require a credit card. You can get the free songs or applications by selecting ‘none’ at the payment screen. However, if you are trying to buy an application through the store, you will need a credit card.

 

Another good option is PayPal, but not everyone takes it, especially stores, rental agencies and much more. However, PayPal also requires your bank account information and the usage will be quite limited if there isn’t a top credit cards or other information on the site. You won’t be able to use the site as was intended and make instant payments, but you can always use eChecks, if the vendors accept them.

 

While there are some things you can purchase without needing a credit card such as a gym membership, car, house it is better to have a credit card because it gives you a better credit score. The credit score is the most important thing when it comes to getting loans and credit cards.

 

So, if you choose to live without a credit card make sure that all of your other bills are being paid on time and that you don’t have any defaults. Another good thing to ensure is that you don’t make any bad choices, including filing for bankruptcy because they will put a big dent in the credit and there isn’t any other way to repair it other than building it back up, especially if you aren’t using a credit card.

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