This is the Ramsey Call of the Day, part of the Ramsey Network.

Colton starts off this hour in Amarillo, Texas.

Hey, Colton, how are you?

I'm doing very well, dating out by yourself.

Better than I deserve, sir.

How can we help?

So I actually just moved back to the United States from Australia, and my girlfriend is very adamant about me getting a credit card.

She says I need it to survive an American.

She's worried that if I don't get one,

yeah, in the future if we decide to get married, that it might bite us in the butt when it comes to getting a mortgage and all that.

I don't want one.

You actually helped my parents get out of credit card debt a few years ago, and I just don't know what to do about it.

I just, I don't know how to approach her about talking about that and explaining it without

sounding like a jerk.

What have the conversations been like when you say, hey, I don't want a credit card.

I don't believe in going into debt.

I think there's another way.

What is her reaction?

Well, she's kind of, how do I put it?

She doesn't, I guess from my interpretation, she thinks that I don't understand what it is

because, as you know, everyone in America is living off of credit card debts and car payments.

And she thinks that's a good thing.

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