Shall I get a credit card?

Suzz_2

Luis wrote:

I like you have never had a credit card and I am 28! - I have always been too scared of getting into debt, despite being sensible - but have found that through not having enough credit, I am now struggling to get credit. Feels like I am being penalised for having managed my finances so well that I haven't needed credit - and now I do they won't trust me :mad:

I had a friend who didn't like the idea of credit and borrowing and never had a card, loan or anything.. always paid with cash he had.

When he came to apply for a mortgage he had real problems, luckily his girlfriend had had a few cards.