If you have ever tried shopping online, you will know it is impossible to make a purchase with no credit card. You can have all the cash in the world at your disposal, but if you don’t have a credit card, you might as well be broke when it comes to online shopping. Many of the shops that work through the Internet will not even honor cash-on-delivery because there is simply too much risk. Having no credit card means no online shopping.

Anyone who has ever reserved a hotel room knows that cash does not do the trick. You can even go to the hotel in advance and try to put a cash deposit on the room and still come out with no reservation. If you have no credit card, you have very little chance of reserving a hotel room, especially one that is miles and miles from home. The hotel uses the card to insure that payment will be made one way or another. It also helps to make check-out a snap.

Another instance is car rentals. I was in a car accident when I first moved into my own apartment. I had no credit card and I knew no one in the city very well. When I visited the car rental business, I told the representative about my situation. Unfortunately, they could not rent a car to be unless I presented a card. No credit card meant no car rental. They wouldn’t even take a cash deposit because it wouldn’t be enough to cover the cost of the car.

This can be very vexing to many of us who like to do things the old fashioned way from time to time. If you have no credit card, you are often very limited in what you can accomplish, what you can buy and definitely what you can rent. If you have no credit card because of a poor credit rating, there are alternatives you can consider such as a secured credit card or a partially secured credit card.
After a period of time (usually about a year) you get your deposit back and are then given a normal, non secured credit line, assuming you were good with your payments. 

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tags: no credit card