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93195 t1_iub8fe2 wrote

You do need a credit card for those things, car rental in particular. Many won’t rent without one, debit cards not good enough.

While you may not care about your credit score now, you may later if you want to buy a house or other major purchase.

Just throw them in the back of a drawer.

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NotYourAvgHomoSapien OP t1_iub9pbd wrote

I’ve made all of my major purchases and am debt free, I no longer finance anything and just pay cash. My biggest concern is leaving them open and being vulnerable to identify theft.

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93195 t1_iubcr9p wrote

If you’re not taking out new credit, freeze your credit. Do that whether you leave these open or closed. A credit freeze won’t stop someone from hacking and fraudulently using the ones you already have, but there’s fraud protections for that.

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shadow_chance t1_iuguq0j wrote

You're vulnerable to identity theft regardless of whether you have any active credit cards.

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