Let me just start by saying that I actually really like credit cards and that they don’t scare me. But horror movies do- and even scary, or semi-scary, TV shows can keep me up at night. Hell, just a trailer for a scary movie makes me immediately plug my ears and avert my eyes.

People may laugh at me when I scream in fear during the first episode of Stranger Things, or The Walking Dead, and turn away from the shows for good, deciding to probably never watch them again. But I know myself. I know how scary movies and books and TV shows might seem fun to me at first but can give me terrible nightmares, especially when I’m alone at an old hotel in the middle of Oklahoma City.

And since I know myself, I also know that I’m as good with money as I am bad with horror films. I was that kid who would look for money hidden in the coin returns at arcades and collect it, as opposed to using the coins to actually play the games. I know that credit cards will never tempt me into spending more than I have because I’m just a cautious type of person.

Yikes!

However this isn’t true for lots of people- and if you’re one of them, don’t be ashamed. Be glad that you know yourself. The amazing finance blogger J. Money, on his fantastic blog Budgets Are Sexy (I only very recently discovered this extremely relatable and super fun-to-read blog, and I highly recommend it), writes about how he was solicited by TD Bank to create a credit card article targeted to millennials. Instead he describes how millennials are actually doing great things for themselves by avoiding getting into credit card debt. The reason TD Bank, and many other banks, are especially targeting millennials for credit cards is because millennials have been shying away from the cards due to worries about ending up in debt. According to the Budgets are Sexy article, almost half of all millenials- 44% – aren’t using credit cards at all. After all, many millennials-including myself- grew up and/or spent their early twenties during the recession of 2008 and are already saddled with insanely high student loan debt and a degree of worry about incurring any more bills.

TD Bank was trying to get Budgets Are Sexy to write about the benefits of credit cards and how millennials should establish credit so that they could borrow money later to acquire a car or a house. Yet J. Money, although he likes credit cards for their various perks and benefits, thinks that avoiding debt is way more important than your credit score. And I completely agree. Although I love credit cards personally because they’ve enabled me to take many a free flight somewhere, and to pass the credit check to rent my apartment, I disagree with telling millennials they should establish credit in order to take on lots of debt down the line… especially when millenials are already worried they’ll take advantage of “free money” credit cards and take on debt from unnecessary things!

I think it’s important to know yourself, and if you know you can’t handle the temptation of credit cards, stay away from them! I’ve cut scary movies out of my life because I know I can’t handle them, and I’ll never look back!

This creepy image scares me a lot. It’s actually from a protest against credit card debt, that I found in a How Stuff Works article