No. I pay for everything by cash or visa debit card. Or paypal as Ive been buying a lot online lately(I had one crazy night where I couldn't stop buying crap on ebay I didnt even want).

I can't bare the thought of debt. Recently I got this bogus letter from a debt recovery agency saying I owed £350. I was so furious because I had no clue what it was for or had even ever bought from this certain company. But after researching them found out they try this crap all the time on random people. So I binned it and heard nothing more.