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When a bank gave him a credit card, 26-year-old Yemeni-Ethiopian Mohammad Ahmad took it and placed it in his wallet. He has never tried to take it out.
His preferred mode of banking is his aunt who lives in Abu Dhabi.
"Every month I give the money, I save, to her for safekeeping. It's something people used to practice in olden days and even today, I really don't need a bank for savings," he said.
Ahmad said it is always a choice a consumer has to make. He has chosen to live without credit cards.
"Every month I take money out at the start of a month. Even though I am not a very good planner, things somehow work out," he said.
Not using a credit card has been good for Ahmad.
"You can't really spend the money you don't have," he said.
It has not, however, been easy for him to not use a credit card.
A recent personal emergency almost made him doubt his rejection of credit cards but according to him, God stepped in and helped things out.
For Ahmad, life is simpler with his unused credit card.
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