Never know, if I have the urge to buy something I don't have to worry about it. I was in Best Buy one day and decided I wanted to get a PS3, games, and movies. Think I also got some CDR's or something. Total came out to about a grand. Paid cash. Its my fathers fault really, he's a cash only guy too. I was raised to believe if you can't pay for it you don't need it. I only recently got my first credit card, gonna use it to make my on-line purchases then just pay the bill off each month. Canceled my debit card which was stolen on-line by some ying yang back east that racked up over a grand of illegal on-line purchases.