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Date didn't have a credit card

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Date didn't have a credit card

I recently was on a date and they said they didn't have any credit cards. I immediately lost interest! I was curious as to why, but I didn't want to ask. Has this happened to you? Would you have felt the same way?

Message 1 of 25
24 REPLIES 24
Established Contributor

Re: Date didn't have a credit card

If I were considering this person for a long term relationship I definitely would’ve inquired. Whether I would’ve lost interest would depend on the answer and reasoning.
Back In the garden June 2019 until TBD
FICO 8 Scores (Inquiries) May 29, 2019

Military Star - $8.7K | FCCU Platinum Signature VISA - $13K | Care Credit - $25K | Barclay AA Red MC - $5K | Best Buy Citi Visa - $3K | Cap1 Savor - $3.1K | USAA Signature VISA - $6K | PFCU Power Cash Rewards Signature VISA - $28.5K | CSR $15K | USAA AMEX - $12K | AMEX BCP - $35K | Chase Freedom Signature Visa- $7.5K | HSBC Rewards MC - $1.75K | CITI DC - $10.3K | Discover It - $16K | NFCU Cash Rewards Signature Visa - $10K | NFCU CLOC - $15K | TD Ameritrade Client Rewards Visa - $1.5K | Chase FU Signature $15K | Citi AA Plat MC $13K
AAoA 6 Yrs 10 Mos AoOA 16 Yrs 2 Mos AoYA 1 Mos
Currently 13/24
4/24 on 1/14/20
1/24 on 3/15/20
0/24 on 3/20/21
Installment Loans
BMW $36.4K of $65.3K @ .99% (44.3% Paid)
Student Loans $32K of $66.65K @ 2.75% (51.93% Paid)
Annual Income ~ $110K
Message 2 of 25
Valued Contributor

Re: Date didn't have a credit card


@myscorerocks wrote:

I recently was on a date and they said they didn't have any credit cards. I immediately lost interest! I was curious as to why, but I didn't want to ask. Has this happened to you? Would you have felt the same way?

"Lost interest" would depend on if the date were male or female Smiley Very Happy





Message 3 of 25
Valued Contributor

Re: Date didn't have a credit card


@myscorerocks wrote:

I recently was on a date and they said they didn't have any credit cards. I immediately lost interest! I was curious as to why, but I didn't want to ask. Has this happened to you? Would you have felt the same way?


That sucks. Smiley Sad

 

That wouldn't be a dealbreaker to me unless their reasoning was understandble. If the reasoning were something ridiculousSmiley Indifferent, I will just point to the door. But that's just me. Smiley Wink

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Starting Score: 490
Current Score:EX: 590
Goal Score: 620


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Message 4 of 25
Regular Contributor

Re: Date didn't have a credit card

We're there now? A date who does not use credit cards is disqualified? 

 

When I met my spouse I didn't have credit cards. The conversation came up at work . I bought a new car. Co-worker(s) wanted to know who financed the purchased. I said I paid cash. The scuttlebutt turned that spouse [we were friends, not dating then] gifed me with a luxury car. 

 

The topic came up as a result of the rumor. He advised me that it's important to establish credit. We both knew the rumor mongers were nuts and had a good laugh. I did apply for a MasterCard called Master Charge then. Had to jump to many hoops to be approved. Anything they asked for I produced. Still denied and co-maker required. My dad co-signed. Denied. Dad was PO'd at that point. His pride was engaged. 

 

We went to the bank that issues the card. This was the good old days when a bank could make and hand the plastic to you in one vist. My dad spoke to the branch manager who tried to assuage him. Dad acted as if all was well. Manager asked if there was anything else he could do. My dad asked for sissors. He cut his card it two and handed to the manager. Manager was flustered. Dad said he didn't want them losing sleep as he was obviously considered a bum risk. Manager excused himself. He returned with two cards. One card for my dad. One card for me. Different accounts. 

 

Six months later I applied for another bank card. When I received the card I closed the original. That account is still open and active. The bank that declined with my dad as a co-signer is long gone. The other is thriving.

Message 5 of 25
Established Contributor

Re: Date didn't have a credit card

Since financial issues are one of the two main causes of marital strife, it’s only reasonable to consider compatibility in cash/credit philosophy. If someone’s reasoning is sound for not having credit cards or credit in general and they have good financial stability without it, I likely wouldn’t see it as an issue. However, if they were struggling and missing out on financial freedom because they have unwisely or through being uninformed neglected their credit, AND they are unwilling to educate and potentially change, then I think that relationship would be doomed from the start.
Back In the garden June 2019 until TBD
FICO 8 Scores (Inquiries) May 29, 2019

Military Star - $8.7K | FCCU Platinum Signature VISA - $13K | Care Credit - $25K | Barclay AA Red MC - $5K | Best Buy Citi Visa - $3K | Cap1 Savor - $3.1K | USAA Signature VISA - $6K | PFCU Power Cash Rewards Signature VISA - $28.5K | CSR $15K | USAA AMEX - $12K | AMEX BCP - $35K | Chase Freedom Signature Visa- $7.5K | HSBC Rewards MC - $1.75K | CITI DC - $10.3K | Discover It - $16K | NFCU Cash Rewards Signature Visa - $10K | NFCU CLOC - $15K | TD Ameritrade Client Rewards Visa - $1.5K | Chase FU Signature $15K | Citi AA Plat MC $13K
AAoA 6 Yrs 10 Mos AoOA 16 Yrs 2 Mos AoYA 1 Mos
Currently 13/24
4/24 on 1/14/20
1/24 on 3/15/20
0/24 on 3/20/21
Installment Loans
BMW $36.4K of $65.3K @ .99% (44.3% Paid)
Student Loans $32K of $66.65K @ 2.75% (51.93% Paid)
Annual Income ~ $110K
Message 6 of 25
Contributor

Re: Date didn't have a credit card

Might be a bad sign, but most people with credit cards are carrying debt with a stupid interest rate

Message 7 of 25
Regular Contributor

Re: Date didn't have a credit card

If you're 45 and don't have a credit card... well, I can't date you. Can't rent a car or buy a house. Huge dealbreaker! 

Message 8 of 25
Regular Contributor

Re: Date didn't have a credit card

It really come down to one question, provided the OP is male.   Is she hot?  


Message 9 of 25
Valued Contributor

Re: Date didn't have a credit card


@myscorerocks wrote:

I recently was on a date and they said they didn't have any credit cards. I immediately lost interest! I was curious as to why, but I didn't want to ask. Has this happened to you? Would you have felt the same way?


Statistically speaking, s/he's more likely to be financially responsible than the average credit card user who carries a balance. We on the forums are a rare breed looking to maximize rewards and avoid interest.

 

My ex didn't have any cards yet at the time we broke up. Her reason to not get one was because her parents got in trouble with them. A young lady I'm talking with nowadays doesn't have any, but it's because she doesn't yet have enough income to apply. We've talked about financial responsibility in general though and we're in-line with each other.


TU FICO 8: 767 (5/19) — Ex FICO 8: 764 (5/19) — Opinions are my own and not the views of my employer
Message 10 of 25