"rbowman" wrote in message
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On 09/23/2018 02:58 PM, Rod Speed wrote:

When you pay cash for everything you don't have much of a credit rating.

We don't need one.

Not having a credit card in the US is a major pain in the ass.

Yes. But it isnt here.

Mine are paid in full every month

Mine too.

but they're still necessary.

Not necessary here, but convenient.

Try getting a motel room with a handful of cash.

Debit cards work fine for that here. No credit rating
needed to get one. No credit rating to get a credit
card here either, just a statement of your income etc.
They do check if you have defaults, but there is no
problem if you don't have any defaults.