Unfortunately it’s almost impossible these days to live without a credit card of some type - especially if you spend some of your time online and want to take advantage of online shopping.
The banks have responded to this need by creating debit cards - these act just like credit cards but the money comes directly from your savings or cheque account rather than being put into a credit arrangement. These are great for new purchases if you are trying to pay off old credit card bills.
Using a debit card automatically links to your savings giving you a built in limit - with none of the fees attached to a regular credit card.
