Finally out of debt!

Typing in a pin vs scribbling my name. But again the main reason I use a credit card is due to cashback that I get, even though its small still better than nothing.

don't you want a credit card so you can build your credit to allow you to take loans or something similar later in the future?

Banks are apparently more likely to approve people with good credit ratings and some credit card debt for mortgage loans and such. If you're not interested in ever buying property and always paying cash for used cars, then by all means, don't bother with credit cards. It's fucked up, but that seems to be the way it works.

Heh, both of those things probably take ~5 seconds, at most. But, I see your point. Personally, I've never messed with credit cards, nor do I plan on it. My credit is good enough as it is.. I've never been late on a car payment, rent, cell phone bill, etc etc.. so at least I think my credit rating should be okay. Not entirely sure how that works..

Well I don't have to pay any of those things currently. So its pretty much just car repairs/other small purchase that I make and pay off. I pay for tuition, phone, car insurence, but its all payed to my parents and they send in the final payment, so I don't really have any way to show those purchases.

You should celebrate by buying a brand new vehicle.

I don't have that much money. :|

Everyone could use some extra cash. Johnny Cash, that is.