Guilty yer honor... Never even had a credit card, never needed a credit card...Spending money you ain't got always struck me as a really dumb idea. And I only ever did that the once, getting a mortgage.How about breaking norms by having no credit card debt? Unfortunately, that's rare. But helpful.
I'm the same with Banks. Over here we have building society's, they specialise in mortgage lending and savings, my wages get paid in there, and then (depending on the interest rate) they pay ME interest! on the money they have borrowed from me.
That's how it should be. I don't have a bank account, I don't need a bank account, Banks charge you for the trouble of borrowing your money from you, why would anyone do that? Sometimes I feel like I'm an Alien on some strange parallel planet where everyone does things the wrong way round, and think its normal to do it like that.