Age Reckoning Approaching!

[vulgarweed]

If I make it to April with no period, I will officialy be menopausal. It will have been a year at that point.


But honestly, based on a conversation with a friend, I think the most shocking thing about my ageing is the realization that

I'm 4 months away from age 50


and I have never had a credit card.


(There've been a few occasions when I really wished I did, but mostly I've got along fine without it. I just only spend what I have and no more, yo. I have a Visa debit card that lets me shop online and book flights and hotels and stuff)

But as I get older, I'm starting to think this might be something that could be useful.

I spent a lot of decades never even thinking about it.

My parents didn't have credit cards until they were well into their 40s. I never got educated about how to get one when I was young. (And frankly I'm glad I didn't, because so many of my friends have huge debt. I have a credit rating that's lower than my IQ but at least I don't owe money.)

Comments

[erinptah]

Huh, I just got denied an increase in credit limit. (Which I only applied for because they sent a message saying I was eligible to request one, and it wasn't automatic, I had to fill out a form first...)

Either way, I use my credit card exactly the same as a debit card, not spending money if I can't pay it off at the end of the month. The main difference is that it has better protection/reimbursement if you lose the card (or if a thief just gets access to the numbers).