Anyone here live without a credit card?
I have one, and am thinking of doing without it. I really only have two reasons for it: 1) in case I need emergency funds; and 2) online shopping.
I guess I can put away more money in my everyday transactions account as an emergency fund, and I suppose I could get one of those prepaid credit cards from Australia Post for online shopping. But I am wondering if there may be any other need for it?
Just wanna hear from those who live without one, what initial adjustments did you make and is it inconvenient?