I was £4 over my limit and they charged me
£12 the bastards.

I had one for my last year and it worked well. I now have a friend who has a £4000 credit limit. :O

If I can't afford something I'll do without!

It has a one thousand and something limit on it.

I've been too scared to use it yet. I'm dreadful at managing money, so getting into debt (outside student loans) just isn't a good idea for me. For this reason, I've deliberatly not learned my pin.

http://tinyurl.com/hkox

happy spending!

they'd give a donkey a credit card if they thought it could figure out how to use the damn thing.

I have avoided credit cards completely.... I guess at one point it will be good to have one, just to build a credit rating, but other than that, i would never use it. Interest rates are a fucking joke.

what've you done that for? You shouldn't do that.

that I might have posted before, I don't know.

When I was 17 and in my final year of college I went to the bank because I wanted a normal Visa card, had only had Electron up until then. I was living off a student loan and worked only occasionally, made maybe £90 a month besides the loan. I did not live with my parents by this time.

I made it very clear to the woman in the bank that I didn't want a credit card, as I wouldn't trust myself with it. She said, "ok, so we have this package deal where you get a Visa card, and a Master Card along with it. How much credit do you want?"

I explained that I didn't really want it at all, but if I had to have one I'd prefer the limit to be as low as possible. That turned out to be £1000.

A couple of months later I found out they'd also set me up with an additional £1000 credit limit on my Visa card. I WAS IN COLLEGE FFS.

I've now maxed them both because I'm broke, but I've had them for about 4 years though.