Use a debit card ?
this post was submitted on 10 Jun 2025
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I charge it at home, but years ago I got a credit card to build credit so I could get a mortgage so that might not work for you.
Not having a credit card doesn't make it any more difficult for someone to steal your identity, provided you keep your card secure/on you.
Like, the essence of having a line of credit does not prevent someone from opening a line of credit in your name. Freezing your credit does?
I dont have an answer to your question, but if that is really the only reason you don't have a CC, just get a CC. Get a CC and freeze your lines of credit. Then your identity is more secure than it is right now, and you'll have a credit card.
I assumed they meant someone stole their identity and destroyed their credit rating so they couldn’t get a CC even if they wanted one.
But your take is just as (if not even more) likely…
You should still be able to get a secured card.
All my credit accounts are frozen and I just gave up on using credit.
You can still probably get a prepaid credit card...
You just have to pay it upfront before doing the transaction.
I want to clarify, by prepaid I expect that you mean a secured credit card right because prepaid cards you can find at stores are meant to rip you off and charge large fees for usage and charging.
Personally I recommend discover, they offer stupid simple secured cards and after a year or so usually they give your deposit back and upgrade it to a standard credit card
Yes, absolutely. Fuck the stuff you get at stores' checkout.
I do mean something from a bank or union, it's just instead of having a limit you can borrow from, you can prepay and do whatever transaction after.
Works fine for online places that only take credit.
You can usually get them even with shitty credit, because they're not fronting you the money.
Personally speaking, intentionally not using or collecting credit in this world is dumb. It's shooting yourself in the foot for basically everything longterm wise. This can be from rental agreements to buying a house to buying a car. Anything that needs to show trustworthiness. It's stupid, but it's how this world operates.
I would highly recommend reconsidering your mentality that you've given up on credit.
Also regarding the fraud. Hopefully you are currently mid battle on that because it's not fair for you to have bad credit due to identity fraud and generally when proven that someone stole your identity they reverse all charges(for you) and reverse the credit score that went with it., After all, you never actually spent the money. But that's a long and lengthy battle
Replace the word "world" with "USA" please. Most other countries do not require you to build credit score by borrowing money.
Someone can still commit identity theft against you whether you use credit or not. Might as well use it to your advantage.
I went back through your posts to find out where you were based… and I have discovered that there are in fact many stupid questions 😀…
This may be different in the US as your distances are a little larger… but we charge at home overnight and have never needed to charge anywhere else. Every morning we have 250miles available and 1200miles a month costs us ~$30 in electricity.
You may be able to get a prepaid debit card and use that on public charging stations for long journeys or emergencies.
Electric cars don't own credit cards, yet.
You want to charge the credit card of the car's owner.
The better question is how do you charge an ev with a credit card. The ones around here are ridiculous. Instead of a credit card swipe there are a million different apps you have to download. Oh, you parked your car in a parking garage with no reception? Too bad. Make an account, wait for the confirmation email, and then add your credit card into it.
There are conglomerate apps that bundle some of those brands together, but not all of them. Some of them might take paypal or something like it.
If you have a garage, at home. You might want you drop more details to get better answers. E.g. location.
No garage. No driveway.
I will be that guy and not answer your original question. If you don’t have a way to charge at home, don’t get an electric car.
Besides the convenience factor, it’s far too expensive to use public chargers. It will not be worth it at all.
Where I live gas powered vehicles will be forbidden from being sold. It's getting harder to get a gas car.
You can't afford a credit card or some kind of parking space with electricity, but you can afford a brand new car?
Thank you for asking so that I didn't have to.
I can afford a credit card. The credit check would be the issue. I use cash or check for everything.
As far as a car goes, yes. In theory I could. But my current vehicle works fine. It's a bit older,so I want to know my future options
Then get a regular debit card, like most people.
It's just that you're going to get screwed in the future if you need to finance a car or house with bad or no credit.
I appreciate your concern, but it's not like I could get a loan in my situation anyway.
If you have no driveway, where are you currently parking? Level 1 or 2 chargers just connect to an exterior outlet on the house, so you could just plug it in via cable, so you don't have to have it in a garage. You may risk having someone steal your electrical cables, though, if you don't have some way of locking the cable to your house.
Street Parking in a bad area of town. The cord would get stolen for metal.
Depending on the country you may not need an actual credit card, we use debit cards via the MasterCard / visa networks and have no problem with it.
The only minor problem with debit or charge cards in Europe is that the initial preauthorisation amount is actually debited from your account - so if the preauth is £15 or £30 or £40 - regardless of whether you put £1.50 of juice in or £14.99, the £15 is debited until the transaction finalises and the remainder is refunded a few days later.
As much as I like using contactless payment to avoid using an app or an RFID or NFC card, I do have more problems with failed attempts to charge using a bank card.
Using the ChargePlace Scotland card to tap in seems to work way more consistently for whatever reason, across that network.
edit: or get a Type 2 charger in the house, or a granny charger at worst.
This post is so thoroughly confusing to me.
Charge your car at home, of course! That's what makes them so good! You can charge them on regular outlets, but you can also get a thing installed that makes it faster. No credit card required.
That works 95% of the time for anyone who owns a house. However the last 5% of trips are to farther than you can get back home and you need an option to charge on the road. Some people travel more than others, and travel in different ways, so that 5% might be 75% of the time for some people and 1% for others.
If you don't own a house you are stuck hoping the landlord provides a working place to charge.
Sure, that's fair enough.
That’s what I do and never had to use a public charger, however there are a lot of people who live in apartments with out garages or driveways and lack access to an electrical outlet.
Though at that point you should start petitioning the property management to install some common ones.
By having a charging station at home, I guess.
Maybe you can use a reloadable visa card?
Apps or NFC tags are used where I live.
I charge at home myself, but in the odd case where I've used public chargers I've had to install an app from whatever charging company it is, because I can never find one that takes cards directly, though they all ought to do that by now.
For people who use public chargers a lot, it makes most sense to get some subscription and get a tag for that. Some of them works across different networks. It's a bit of jungle.
The apps probably do require a card to setup, unless you get it through some company where you already have direct debit (f.i. your electricity provider or gas station monthly billing etc.)
It's not that different from gas stations. It's not possible to pay those in cash anymore anyway.
I’ve never paid with a credit card to charge my car. At home, overnight, is all I’ve needed. Road trips would be different, but I didn’t buy the car for that.
I guess you can do something with PayPal. Where I’m from, depending on the ~~borne~~ charging station company, there system work like a prepaid card.