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Free online adult site no credit card

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There's also a more straightforward reason why a majority of millennials aren't carrying the payment method: Many, like Duffy, just don't want credit cards."I don't really feel like there's a need for one in the way I live my life," says Melissa Pileiro, a 24-year-old resident of Vineland, New Jersey."The idea with a credit card is you're essentially putting money down that you don't have."Like many members of her demographic, Pileiro is perfectly content with her debit card, a payment method whose existence has eaten into the credit card's market share.

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If you're a young adult, undergraduate, or just someone who has never had a credit card before, it's easy to feel lost at sea when you've got to pick one card out of 200 options.An April 2014 Gallup poll found Americans' reliance on credit cards, in general, has declined steadily since the Great Recession.Moreover, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, or CARD Act, made it harder for anyone under 21 to get a credit card.Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. For a full list of our advertisers, see our disclosure page.Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer.We may be compensated through the issuer’s Affiliate Program.

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Instead, those who are new to credit cards should focus on finding a simple card with low rates and fees, and perhaps modest rewards — think of it as a credit card with training wheels. The first thing to look for is a card that’s designed for someone with your credit profile; this increases the likelihood that your application will be approved.

For those new to credit, this means a card that is marketed to people with “fair” or “average” credit scores (between 650 and 699).

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A blind refusal to adopt credit, however, can hurt your long term wealth.