Alternate methods to pay for subs?

[Macka]

Not sure if you're a child or what, but you can't get far in the US w/o a credit card so when you grow up you'll need to get one. In fact, the longer you wait, the worse off you'll be. No credit is actually worse than below average credit. Not sure why you like to have hotels and gas stations place large $200-$500 hold on your card instead, but good luck trying to buy a house. You're only hurting yourself.

I am 31 my credit score is 763. I never owned a credit card in my life. Credit cards are one of the dumbest was to go about managing your money. There are better was to build your credit then getting a credit card.