I don't believe in spending money I do not have!!!

Sure, I have a few credit cards with small credit lines but they are only for building credit and those times when I really need something like extra cash for the holidays or an unexpected repair for the VX etc.

I am a firm believer in only spending the extra cash that I made myself. No interest there and no monthly bills

Most of my family, unfortunatly, ran in to bad luck with their credit cards and I was severly effected by this growing up as a kid!!! I could never get the stuff I needed never mind the stuff I wanted

That's why now, I can buy things of my own like a nice cool VX that I can do what ever I want to with my own hard earned cash.

I don't know what your credit cards are like so the decision is ultimatley up to you. Just be sure to make the mature and realistic decision

Good luck and best wishes either way!!!