Quote:
Originally Posted by Zabo
(which he said he'd do since I do not have and refuse to get a credit card)
|
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.