I agree that you DON'T need a cc. I don't have one....never had one.
I just bought a house last year with a 6.xxx% interest rate (can't remember exact amount). I had one very small student loan (paid off many years ago) and bought two trucks (the first used, the other brand new) also both paid off many years ago.
I contribute to my retirement and throw as much as possible in to savings. If I need/want something, I can pull the money from savings. That is true of new clothes, new furniture, a new fridge, or a car. (No more brand new for me--used is just fine!) If I need it, it's in savings.
I've been trying to throw an extra $20 or so on to my mortgage each month, too. That is going to knock a few thousand dollars off of interest as well as cut the payments down a few years.
I use cash for groceries, gas and a few other small things. I have no need for a credit card.
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