why are people scared of credit cards?
148280
There are two factors at stake. One is the interest rates of the credit card companies which are very high. The other factor is in the inability of many people to live within their means. I pay my credit card bills in full every month. Many people simply lack that restraint. To blame the credit card companies is like blaming Anheuser Bush because you drank too much beer and got a DUI.
895494
people are scared of that they do not understand\n\nThey would rather someone tell them what they want to hear instead of learning the truth and be shown they are wrong
897222
All these people who support ID cards have never read the small print, it will become compulsory to carry them  as in many other countries with police and other officials being able to demand their production by you.   This mantra that if you 'have nothing to hide you've nothing to fear' is the one of the oldest 'brainwashing' techniques' in the world.  Do you think an ID card will stop terrorism like the London Underground bombings?. Think again.
847165
cause they're afraid 2 look/sound like some idiot! \nthis is going 2 sound weird, but im afraid that somtimes people can read my mind... i feel sorry for them if they can. my mind's a scary place
570988
I've shopped online for years now and yes, I do feel safe using my credit card.  I also bank online, so I'm pretty comfortable...I haven't been burned...yet.\n\nMy favorite sites to shop are amazon.com, gap.com, ebay.com
1147001
No, I don't use credit cards either.  Like you, if I can't pay for it, I don't get it....:)
703198
People are afraid of capitalism the way we used to be afraid of communism...evidenced by countries shunning legislation that opens their markets to free trade.  Republicans are the new 'red' scare...lol
109761
As previously mentioned, there are some security concerns with credit cards from outside the US. \n\nAdditionally, unless a corporation has a legal presence inside that country (a foreign branch, for instance) there is little that can be done if the credit is not paid by the issuing bank or if problems arise with the transaction.\n\nThus, many companies simply choose to not accept foreign credit.
120373
Its a piece of mind.  Don't spend what you don't have; avoid using credit cards.
36086
People are always afraid of the unknown, unseen, or unforseen.  Human nature conjures up these things, that cause all kinds of psychological issues.  \n\nEverything you ponder, or wait for, or expect, or anticipate, Or get nervous about, is LESS climactic than you thought it would be.  \n\nThink about it,  you can't wait to turn 18... then you turn.  It's ok, you made it.  Then 21, ok a bit cooler, but not fireworks.  Later, you get married, ok a bit more exciting, but you 'get over it', and then kids, and then divorce !!LOL..  Sorry the odds are in my favor!\n\nThe saying, \n"the sun will come up tomorrow", is true.  \n\nSO relax and don't be scared of:\nwhat hasn't happened yet, \nor what you can't change, \nor what you can't see, \nor what you don't know.\n\nHave a nice day instead?
63710
Fear.  Fear of being wrong causes people to block out their reasoning abilities.  Its easier to deny, say "no", or just go with whatever the pack already decided.
1061647
Cards get you in debt and trouble.
91190
I hate them.  I have never had any problem with paying my bills - I just don't like them because they are rediculous.  I have cards with 10,000 limits on them - those I can see getting credit transfer deals in the mail.  I can actually do something with a $10,000 credit line.  But capital one... I only have a $500 limit - Like to keep small limit card for use on the internet.  Well lately I have been getting a TON of transfer deals from them... Like ya... I am going to go all out of my way to transfer a measly $500 onto thier card.  \n\nWhat a waste of money on thier marketing!! Idiots
1148376
Because they would need to support their own payment network. Visa, MC, etc. provide a network that is secure and can handle huge amounts of transactions. It would take a huge investment to create new ones and then you have to convince businesses to support the new network. Its too much work for the average bank.
1161724
Because they can and will: because they are greedy and mean like most of the folks answering your question.  I mean really, should a minor maths error of two pennies end up costing someone anywhere from $30-50 in fees, each damn time??\n\nHonestly this is nothing *but* free money for the banks and we should NOT have to tolerate their being such lunkheads and muggers, not everyone is going to have a calculator on them *or the time* to do the math each and every time.\n\nThis is why I don't let the banks have *one red cent* of my money lately....their "fee-isms" have gotten absolutely and positively out of control, it's gotten to the point that they want to charge you for the almighty "privilege" of talking to a real person on their phone help lines instead of being stuck lurching around on their clunky Windows-95-driven voicemail systems...\n\nBetween this and the decadently excessive interest rates and predatory habits of credit card companies, it's a wonder I don't just become a monk and *give up on money* altogether.
516135
You talking about the ones your credit card company sends you?  SHRED THEM!!! They are checks to access your credit line and they bend you over the barrel on the interest.  Seriously they are a terrible idea.  But you need to dispose of them by shredding.  These are gold to people looking to steal identity and access your accounts.
753655
Credit cards aren't necessary BUT they are a lovely amenity to have.\n\nIt would be lovely to say this - but its not true.\n\nIf you are going to live the average life and engage in normal activity (i.e. - rent a vehicle, reserve a room or book a flight) then yes credit cards are rather necessary simply because companies are making them necessary.\n\nThere are ways around using credit cards unfortunately society has crippled the mind so intensely many think they cannot survive without the option of Cash or Credit.