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She didn’t think I needed more than a debit card, and so for all of college, that’s all I used. So when I graduated and moved to New York, I didn’t have debt, but I did have a really hard time getting a credit card. A few years ago, I opened an American Express because it seemed like a sophisticated card to have in my wallet. I’m not one of those people who knows how to take advantage of the points system to get free airfare.

I was rejected again and again, and I finally had to sign up for a card that required me to put down a cash deposit. It turns out that even though I love to shop, I’ve never been tempted to pay credit for something that I can’t pay off in full at the end of the month. I have a pretty passive relationship with my cards.

I use them to pay for everyday purchases and don’t think much about them beyond that.

But in my job, I inevitably end up talking with a lot of women about their money.

And I was surprised to learn that many of you aren’t using credit cards at all.

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  1. A lot of men my age seem uninterested in a committed relationship, seeming to prefer a more casual “low investment, low return” approach to relationships. As a guy who was single for 35 years, I completely agree and think that – all things remaining equal – having a good relationship is a far superior state of being than being alone.