It is also possible to have credit cards and not run up huge balances. If you pay them off completely each month, you can make good use of the added insurance you get from buying using a credit card. Credit cards do not have to mean debt. Not that there's anything wrong with avoiding them altogether, but neither are all card users financially irresponsible.

Now are we ladies doing wallet or handbag/purse contents? because if the latter, I'd better wait until another day/year...... :eek: