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I also asked D, why she didn’t own a credit card. Her response:
I don’t believe in the mechanism of credit — it’s not my money to begin with. By credit, I include credit cards, loans, overdrafts etc. — any money that’s not mine. I’m also not aware of the procedures to repay the amount. I want to keep my life simple and stress-free. So I don’t own a credit card.
That evening, one look at the check I was depositing at the ATM as payment for my credit card usage, sent D’s resolution one notch higher.
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