My second year without a job

Re:My second year without a job by ghaff on Sunday December 08, 2024 @08:06AM (#42356901)

Basically, you're less protected against purchases gone wrong with a debit card or against fraud. A fair number of (mostly higher income) folks also get other benefits from credit cards--though that may not be relevant here.

However, a debit card usually covers the floor of needing a card of some sort to pay for a lot of things.

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Re:My second year without a job by jrmg on Sunday December 08, 2024 @09:50AM (#42357442)

This is hardly ‘basically forced to have a credit card’.

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Re:My second year without a job by ghaff on Sunday December 08, 2024 @10:21AM (#42357630)

I suspect a lot of people in the US use credit card generally to mean card of some sort because credit cards are so common. You do mostly need a card of some sort (and a smartphone) for many purposes but it mostly doesn't need to be a literal credit card so long as you have enough money in the bank.

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Re:My second year without a job by oblio on Monday December 09, 2024 @07:00PM (#42372027)

How do you get a credit score?

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Re:My second year without a job by pmg101 on Tuesday December 10, 2024 @06:33AM (#42375895)

Pay your mortgage on time every month for a few decades?

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Re:My second year without a job by oblio on Tuesday December 10, 2024 @06:42AM (#42375952)

How do you get good rates for a mortgage, without a credit score?

How do you even get a mortgage without a credit score?

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