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I already know that credit is evil. I can still remember back in elementary, middle and highschool when we were permitted to charge for lunches. It saved my stomach now and then, but underneath that, I hated having to owe money, even if it was only $1.50. Ever since then, i've made a stalwart vow to never, EVER get a credit card. Where college is concerned, i've had to take out a loan, but loans are about as far as i'll go. Now phone cards are nice, I think. Especially when you don't use them that much so they last alot longer:-). I've got a 500 min. one that's lasted me since last year, around this time.
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