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I have a negative balance on one card because of a refund for plan tickets I purchased and paid for. I have a couple of store cards that are used specifically for discounts on certain sales and for certificates back as a percentage of purchases but those get paid of each month. House is paid for in full as of 2001 (did that in 4 years), pay cash for vehicles. Have a home equity line of credit set up in case I ever need it since I don't have an active homeloan to keep my credit history rolling.
Other than that.. I live by cash and my Visa debit card. It I can't pay for it, I don't need it.
PK
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