I hate getting into debt. I don't have a credit card now and I never plan to own one. The closest thing I'll ever have to a credit card is my debit card, and I even minimize the usage of that because lots of companies will use the info collected from your card to send you junk mail...learned that one when I bought something for my ex from victoria's secret once and then started getting offers for free bras in the mail...I never gave them any info to my knowledge other then using my debit card.
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