I think I've posted here that we don't use credit card debt (we use credit cards, but we never carry a balance).

We recently got a letter from one of the three credit card companies we work with and they are changing the terms and conditions of the agreement to such a degree that I closed the account and shredded the card. The terms included things like giving up my right to a jury trial in a dispute and a penalty interest rate for late payment of 39%.

I'm now left with only an American Express Card and a Discover Card, but I am beginning to ponder if it's even possible to function without a credit card given that I travel a lot, nobody takes checks anymore and debit cards are a major no-no for anyone who wants any level of consumer protection. As far as I can tell you can't rent a car or get a hotel room reservation without a credit card, and buying stuff online can be a hassle.

But maybe someone here has done it? Anybody? Anybody? Bueller?