Quote:
Originally Posted by Mr_Draco
I'm the same way. I refuse to get a credit card however I've been looking around and some banks offer a credit card though them. Like one of them around here, you put however much you want on it each year like you would a gift card (say $500 a year), every time you use the card it takes the money that you put on the card. It has no apr, no monthly payments and it builds your credit like a normal credit card but yet acts like a gift card. Another bank here you set up a credit account (similar to a checking account in every way except you don't have checks) and every time you use the card it deducts from your credit account. Again they offer no apr, no monthly payments and builds credit but acts like a debit card you would have gotten from a checking account.
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If you do that your basically lending your bank your money interest free until you use it. Just get a card, buy small items or stuff you regularly buy like food or gas and then just pay it off when you get the bill.