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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.
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.
Credit Cards » More Millennials Say 'No' To Credit Cards Twenty-seven-year-old Omaha, Nebraska, resident Erin Duffy has never had -- or even wanted -- a credit card."I've been able to get along without it," she says, attributing the choice to ambivalence and a wariness of plastic her parents fostered in her during her formative years.
"I've liked being able to pay for things as I go, not having to worry about missing a bill."Duffy's decision to live without credit cards is more common than you may think.
We’ve put them together, so none of the cards listed above carry foreign transaction fees.