Bloodygoodgames: In fact, I don't own a credit card, Paid all of them off years ago and canceled them, as I've no need for one.
Roslavets: I don't think that's wise not to have a credit card, but maybe things are different in Thailand. What would you do in case of emergencies? Is your credit score good? Otherwise, it will be difficult to get a loan without high interest rates or purchase a house with a decent mortgage.
LOL, that's an American way of looking at things :)
I've no interest in ever getting a loan. What would I need one for? I have money. And, in case of emergencies, I use my money :)
I also have no interest in buying a house. Never have had. I move around too much, so will never tie myself down with property. Plus, all the people I know who own houses never have any money, because it all gets spent on their house.
And as far as credit score goes, you only need that if you get loans or buy houses, LOL. Have no idea what my credit score is anymore. Have had no interest in it since I left the US as, in 10 years, I've had no need for it. I don't ever plan on living in the US again either, so my US credit score is worthless anyway.
You might be surprised to learn that, outside of America, much of the world doesn't have a credit score or, even if they do, doesn't care what it is. Unfortunately, the Visa companies etc. have everybody so convinced you need to buy into their services. You don't. In fact, most of my friends don't have credit cards either and have no interest in ever getting one. Why? So they can pay interest or fees to Visa or Mastercard, when they already have money to buy what they want.
I think that's, unfortunately, the American way of looking at things and it's transferred to a lot of other people in the world. Buy, buy, buy, always be in debt and, when you need help, get a loan. That's what's got American in the mess it's in today as most of the population is in debt. I haven't had any debt in more than 15 years, just lots and lots of savings. I highly recommend it :)