I admit I have a visa... but its attached to my 
checking account, so anything I 'charge' is 
automatically deducted, no interest, no debt. I 
can't get anything I couldn't buy with a check.

My mom actually signed me up for a credit card a 
year or so ago for emergencies, forgot about it, 
didn't give it to me, and then... it was charged 
to the limit (which was only like $200 
thankfully) inexplicably and I never got bills 
for, and it accumulated added fees, etc.  How did 
this happen?  Well when we called them up, it 
turned out to be a computer error and it turned 
out nothing was ever charged to it... it just had 
a balance.  I mean... what the HELL?  I'm not 
sure if their error is going to ruin my credit, 
(it very well could, even though it's not my 
fault) but it pisses me off.  

My roommate is telling me I'm an idiot for not 
having a credit card (so I can build 'good 
credit' by the time I get out of college) but 
um... well... she maxed out hers just before 
chirstmas buying exhorbitant gifts for her new 
boyfriend even though she doesn't have a winter 
job to fall back on when all the bills come... >.<

So I've already got an aversion to credit 
cards... which is probably a good thing for now.  
That, and I'll always hate them for all the times 
they woke me up early in the morning in my dorm 
demanding I give them info so they could sign me 
up for this card... and that card... 'oh, you 
already have a visa?  well you don't have OUR 
visa...' ugh.