[sickoflibs]

RE:”Some people don’t want a credit card”

That's OK but then why don't they just get a bank debit card?

The people I have met who dont want a credit card cite having kids who always want more stuff as a reason, not being able to say no.

Or maybe its a wife.

Credit cards can be a really good deal, I love mine, I just bought a NEW washing machine today for ~$800 on my Chase. It is a great helper.

[driftdiver]

I bought a new front door for $2000 and paid cash.

[jeannineinsd]

That's OK but then why don't they just get a bank debit card? Not every one can get a bank account

Not every one wants, or can get a bank account.

Similar to the credit bureaus that track your credit card account and payments, there are two bank account tracking agencies Chex and EWS. If an individual has run into problems with Non Sufficient Fund charges, it is logged and reported. An adverse Chex report can prevent and individual from opening a bank account for several years.

[jeannineinsd]

Here a a couple of articles about people who can’t get bank accounts:

http://www.washingtonpost.com/blogs/wonkblog/wp/2014/06/19/why-a-guy-making-100000-a-year-cant-get-a-bank-account/

http://dealbook.nytimes.com/2013/07/30/over-a-million-are-denied-bank-accounts-for-past-errors/