Post # 17
@missnittany: I agree with you completely! I thought the exact same thing when I read this post. In addition to everything you already said, having a credit card boosts your credit score, as long as you don’t accrue too large of a balance or forget to make payments. Having at least one credit card is essential! I have 3 that I pay off completely every month.
ETA: Also, it’s worth to note, my parents don’t have credit cards because they declared bankruptcy from credit card abuse. Just don’t do that.
ETA2: Show us the ring!!!
Post # 18
It’s his money. Currently he it’s very against plastic. just a bank account, nothing online. Not one thing. He doesn’t want to be like is friends and fall into debt. Anyway it appears my phone won’t let me post pics but I hopefully can post a link.
Post # 19
I definitely understand being intimidated by credit cards, and they can be terrible if abused….but thinking about your future, you do need a way to start building up credit – if you ever want to buy a house, take out a loan for anything, etc.. A credit card is a secure and easy way to do that, assuming again that you don’t abuse it. You don’t even have to use the credit card at all, but just keeping it current and in a drawer will help you start building credit.
Regarding the ring, I think the PPs have good points about PayPal. I use Etsy frequently and it just comes directly from my bank account.
Just as importantly, show us this ring!!! 🙂
Post # 20
You might ask if yo ucan send monthly payments via paypal until the ring is payed for? I know one seller I’ve been considering has that as an option.
Post # 22
@Sullys_Girl_27: Picture isn’t showing up!
Post # 24
So sorry if the picture is huge I can’t tell since i’m on my phone but THERE IT IS!!! I love it so much!!!
Post # 25
You can buy visa gift cards too. They don’t have a service fee and work just like a prepaid card.
Post # 26
I don’t understand not having a credit card either, how do you pay for airline tickets? If he is unwilling ,then open one in your name, becuase in most states as soon as you get married, you need both spouses agreement to open a card up.
Order the ring on the card, then pay the ring off before the statement comes, and you will not aquire interest.
Post # 27
@Sullys_Girl_27: That’s beautiful I love it!
Post # 29
@Christine4RN: Pay by debit card? Neither of us has a credit card either and we are normally functioning people lol.
Post # 30
Wait… why doesn’t he want to use paypal? Paypal can connect to your bank account and be used to send e-checks. Is he afraid someone will steal his information? Paypal is fairly safe and provides buyer protection for online purchases. Anyways, I personally use it as a “credit” card (like debit but you sign instead of using a pin)… it takes money directly from my bank and I get 1% back in rewards 😀
Post # 31
Do american debit cards not work online? I’d be lost without my plastic, I very rarely use cash and with rail and bus passes and chip and pin everywhere, soon to be switched out for contactless tech I can see the death of hard currency as we know it, paper certainly as it has no inherent value.
We don’t have credit cards but I will be getting one for the security of insurance and traceability if purchases. Cash is just too insecure for me.