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Old 2018-12-17, 16:25   #17
CRGreathouse's Avatar
Aug 2006

3·1,993 Posts

Originally Posted by jvang View Post
Is it possible to have a credit record without a credit card?
Yes -- but to build up a credit record quickly you will need to use a credit card.

David Ramsey's methods are solid though mathematically suboptimal. If you have a phobia of credit cards you can certainly avoid their use. If you can't trust yourself to use them responsibly you certainly should not use them.

If you plan on using credit cards any way other than paying off the full balance every month you should think long and hard about what you are doing and if it is worthwhile.
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