[7pointoh]

Maybe it is and unnecessary hassle. I never thought of it as. My thoughts on loans is getting money that you don't have. Credit Cards are the same thing but your spending that money. I've always used loans and CC as an emergency back up plan. I have, on occasion taken out a small loans to and put that money in my savings account just in case something happens. That way I build up credit and have something tucked away like what if my trans blows on my daily driver. I have also taken out small loans and invested that. All the loans I have taken out is used for future purposes. Only excetion is auto financing.

And the only reason I got a credit card was to purchase stuff online. But ever since my bank offered a sharecheck card, I got rid of my credit cards.

I guess I'm not a big believer on spending money that I don't have. Cause when it it comes down to it. I would rather have money than be good for it.