I don't have a credit card. vs I don't own a credit card.

Both phrases are correct, but they convey slightly different meanings. 'I don't have a credit card' simply states the absence of a credit card, while 'I don't own a credit card' implies a deliberate choice or decision not to possess one. The choice between the two depends on the context and the intended meaning.

Last updated: March 31, 2024 • 544 views

I don't have a credit card.

This phrase is correct and commonly used to indicate the absence of a credit card.

This phrase is used to straightforwardly state that the speaker does not possess a credit card.

Show examples from the web [+]

I don't text, I don't IPhone, I don't even have a credit card.
And you don't have a credit card?
You never even let me have a credit card.
I only have a credit card.
I just have a credit card.
This would be a good time for one of us to have a credit card.
But since I didn't have a credit card...
This was Friday night and he didn't have a credit card, so I told him that I would rent him a car.
HE HAS NO EMPLOYMENT RECORDS, HE'S NEVER FILED FOR TAXES, HE DOESN'T HAVE A CREDIT CARD IN HIS NAME.
I have a passport and I have a credit card.
We also need a credit card.
The purchaser used a credit card.
I think I still have a credit card that works.
Do you have a credit card, Mr. Becker?
I just use a credit card.
Wrong: Without a credit card.
Ms. Holly Elizabeth Weaver hasn't used a credit card.
He pays with a credit card.
I want to pay with a credit card.
Just bought three tickets to Junik with a credit card.

Alternatives:

I do not possess a credit card.
I am without a credit card.
I lack a credit card.
I am not in possession of a credit card.
I am credit card-less.

I don't own a credit card.

This phrase is correct and implies a deliberate choice or decision not to possess a credit card.

This phrase suggests that the speaker has made a conscious decision not to have a credit card.

Show examples from the web [+]

We also need a credit card.
The purchaser used a credit card.
I just use a credit card.
Wrong: Without a credit card.
Ms. Holly Elizabeth Weaver hasn't used a credit card.
He pays with a credit card.
I want to pay with a credit card.
Just bought three tickets to Junik with a credit card.
Looks like it used to be a credit card.
It will shred... a credit card.
He asked me to bring him a credit card.
It will shred... a credit card.
I saw him take a credit card.
That ICE file your boyfriend gave you had a credit card.
He was in for breakfast yesterday, paid with a credit card.
Someplace you can get to without using a credit card.
You never even let me have a credit card.
John and Kathryn got me a credit card.
I'll need to see a credit card.
I'll need to see a credit card.

Alternatives:

I have chosen not to have a credit card.
I have opted out of owning a credit card.
I have decided against having a credit card.
I have refrained from owning a credit card.
I have deliberately avoided owning a credit card.

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I don't have a credit card. vs I don't own a credit card.