"Chuck" wrote in message
news

"John Galban" wrote in message
om...

snip

I've almost never kept a balance on a credit card. If I can't get a
real loan (i.e. bank loan with reasonable terms), then that means I
probably can't afford whatever it is I want to buy.


Must be nice... I don't have the option of very many luxuries, so I need
credit from time to time for necessities...

There are umpteen ways to get credit without paying the outrageous credit
card interest rates.