Chuck wrote:

"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...

I still don't see how this works as the interest you pay means that you
can now have even fewer necessities than if you paid cash for them.

Matt