On top of that, I don't own a real credit card. I was afraid to own one for most of my life and therefore have no credit rating, which means I've applied for and was denied every credit card out there (except for the security deposit credit cards, but those things scare me too... "So you're telling me I have to give you $300 for $300 credit? and if I use my card it costs some money, then you put interest on what I spend on the card, and if I don't pay back what I payed to use in the first place, you charge more... and then I can't make a cash withdraw from the credit card that I payed cash for permission to use? OOH SIGHN ME UP!"