this post was submitted on 17 Sep 2026
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Privacy
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You can only get a credit card if your 18+, and therefore proves your age. A debit card does not do this since a minor can have a debit card
Many adults don't have one either. I'm in my 30s, got a house. Never had or wanted a credit card. Most people I know don't have one, although a lot of people nationally do have one there are also lots without.
To the American busy typing away, no. I don't need one. Go away.
Same, I’m glad to see others like me here. Upper 30s, never had a credit card, never needed one, don’t want one, don’t care to hear arguments about how wrong I am for this choice. School loans built up a credit history for me, and after that whole ordeal I’m more certain than ever that I’d prefer to pay with money I actually have, than rely on money I could theoretically earn in the future.
Don't even have loans, literally only the mortgage. Even that I don't like but its the only way to get a house really. Hopefully going to pay it off decades early, should be able to with the rate I am saving currently if my partner does the same.
Crazy that I am doing that on £29k though.
Good that are other forms, then.
Never owned a credit card, don't plan to.
Except I had a credit card when I was a minor, and used it to verify my age everywhere
This is different in different countries.