We know you're not a conformist — and that applies to everything from your style to the way you live your life and spend your money. So, who says you have to use a credit card?
Sure, these cards have their advantages. They help you shop online, lend you money in a crunch, and — if you use them responsibly — improve your credit score. But, they also have their drawbacks. They tempt you into high debt compounded by a raised interest rate, can ruin your credit score, and your number could be stolen from a store's website and used by hackers.
It’s no wonder, then, that some people refuse to touch credit cards. Others don’t qualify for the plastic because of a bad credit history (or a lack of credit history altogether). If you fall into either of these camps — or just want to explore your options — there are some interesting alternatives available to you. A surprising number of them, actually, will serve all of the functions of a typical credit card, from loaning you money to helping you shop online to building your credit history.