A good reason for not having a credit card. I have a Visa debit card, and I can't spend more than what's in my checking account. It works for pretty much everything that requires a major credit card (except car rental companies, which are essentially scam artists as far as I'm concerned, but that's a different rant).

I am pretty close to doing it simply because I have been dealt pretty bad hands career wise. It wasn't my choice to do it because it was something like either go without car insurance or drive without it, go without food or buy it, etc.

The better question is when is mine not maxed out.