Subject: Re: 10% credit card rates
And since not having a credit card can be pretty rough in the modern economy

After my bankruptcy in 2010, I went about a decade without a credit card. It wasn’t that hard. I did have a debit card, which substituted for a credit card in most situations.

To be honest, I didn’t really miss it.

I do have a credit card now, with a fairly low limit and arguably usurious interest rate of 29% and a $5.00 monthly fee. Needless to say, I don’t use it - with extremely rare exception.

So I disagree with the premise that it’s all that hard to live without a credit card.

—Peter