No Credit Card
Life can be quite difficult when you have no credit cards. Just try to accomplish one of the many tasks that people complete everyday with the help of the little plastic cards and you may be surprised. Cash does not always go very far and it definitely falls short in certain situations. While the green stuff works well in a department store, you might find that it does you no good in many circumstances.
Have you ever shopped online? It is impossible to make a purchase with no credit card. You can have all the cash in the world at your disposal, but if you don’t have a credit card, you might as well be broke when it comes to online shopping. Many of the shops that work through the Internet will not even honor cash-on-delivery because there is simply too much risk. Having no credit card means no online shopping.
Anyone who has ever reserved a hotel room knows that cash does not do the trick. You can even go to the hotel in advance and try to put a cash deposit on the room and still come out with no reservation. If you have no credit card, you have very little chance of reserving a hotel room, especially one that is miles and miles from home. The hotel uses the card to insure that payment will be made one way or another. It also helps to make check-out a snap.
Another instance is car rentals. I was in a car accident when I first moved into my own apartment. I had no credit card and I knew no one in the city very well. When I visited the car rental business, I told the representative about my situation. Unfortunately, they could not rent a car to be unless I presented a card. No credit card meant no car rental. They wouldn’t even take a cash deposit because it wouldn’t be enough to cover the cost of the car.
This can be very vexing to many of us old timers who like to do things the old fashioned way from time to time. If you have no credit card, you are often very limited in what you can accomplish, what you can buy and definitely what you can rent. It is always a good idea to keep one of those little plastic cards at hand. You never know when the occasion will arise when it will become a necessity.
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