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radio question of the day: 11/13/06

post #1 of 25
Thread Starter 
What, if any, kinds of credit cards do you carry?
post #2 of 25
I have a Mastercard that gives me 1% cash back on all purchases and 5% cash back on gas station, grocery store, and drug store purchases. I also have a Visa card with a very low interest rate that is set aside for emergencies only. I cut up and closed all my retail cards such as VS, Express, Target, etc.
post #3 of 25
None, I got myself into some bad debt (that I am still trying to get out of ) and will never have another one if I can help it
post #4 of 25
I have waaaaaaaaaaaaaaaaaaaaay too many credit cards!!!!

The majority of them don't have balances because I never really use them or I can pay them off each month. But I do have three (all Visa- Borders, Amazon, and a generic one) that I owe a lot on... but I'm working on that!


Isn't it evil how FAST you can rack up a HUGE credit card bill and then it can take you years to pay it off
post #5 of 25
All I have is an A.T.M card.
post #6 of 25
I have a M/C but I usually only use it for traveling (hotel, plane reservations, etc...) and the occasional cat emergency.
post #7 of 25
All I carry is my visa debit. No Credit cards for this girl!
post #8 of 25
Have one (joint account with Mom) and am paying it off, sloooooooooooooowly but surely.
post #9 of 25
None. My dad has scared about going into debt.
post #10 of 25
I have an egg card.
post #11 of 25
I have one Visa that I will probably cancel soon because I never use it. Another Visa that I put all my plane tickets, large purchases, etc on. It was 0% interest, but that just ended. It's still low though.

I also have a couple of store credit cards in my wallet that now that you mention it I should cancel too.
post #12 of 25
Quote:
Originally Posted by katiemae1277 View Post
None, I got myself into some bad debt (that I am still trying to get out of ) and will never have another one if I can help it
I have one credit card that I'm using -- responsibly -- to rebuild my bad credit. Aside from my student loans (which, because of the rate at which I'm required to pay them, I will likely never pay off) I don't have any debt, but I got very careless with my credit cards a few years ago and am now trying to claw my way out of "bad credit hell." Ideally my credit will be good (or at least not bad) in time for us to start looking at buying our first home ... *sigh* In the meantime, I just have my M/C.
post #13 of 25
I have... my Visa debit card, my Visa credit card, Victorias Secret, Best Buy (I put my computer on that, when its payed off, I'll be cancelling it) and Slumberland (I got that 2 years ago to actually get myself some credit - I had no credit and needed a card to get myself some good credit, so I got my furniature on that, but I paid it off the next day with my tax refund! I just have it now, just because, I never use it tho.)
post #14 of 25
I don't wanna talk about it
post #15 of 25
Thread Starter 
Quote:
Originally Posted by halfpint View Post
I don't wanna talk about it
Come on, enquiring minds want to know!
post #16 of 25
Zero, Zip, Zilch, Nada, None! It's a great company to deal with, 0% interest!!
post #17 of 25
Quote:
Originally Posted by kittylover4ever View Post
Come on, enquiring minds want to know!
Ahhhh this page isn't quit big enough
post #18 of 25
I have several cards....most are not used at all anymore. DH and I have spent the last 2 years paying off, and I'm not kidding here, around $25,000 in CCard debt. It has been no fun whatsoever to put almost every single cent I've made into that. So basically we buy with cash now. CCards are for emergencies only!
post #19 of 25
I only have a VISA..balance of $0..

I used to have like 4 cards in college and maxed them all out..Thank god thats behind me..
post #20 of 25
Quote:
Originally Posted by MoochNNoodles View Post
I have several cards....most are not used at all anymore. DH and I have spent the last 2 years paying off, and I'm not kidding here, around $25,000 in CCard debt. It has been no fun whatsoever to put almost every single cent I've made into that. So basically we buy with cash now. CCards are for emergencies only!
I'm scared to find out how much I've spent over the years!


Does everyone cancel their cards they don't use?????



Despite having loads of debt I have really good credit, mainly because of how I pay my bills. In fact this is the main reason we were able to buy our house. I had the credit score, he had the cash But when we were going through all of that, our mortgage lady told me that it's good to have credit cards open with a low- or no balance. Basically it increases the overall amount of credit you have available to you, when combined with low- to no balances you have a low percentage of debt to credit ratio. Is that right? I think I explained it right. Anyway- it's how I've always done things, and it makes sense to me so I'll continue to do it, but I'm just curious if anyone else has this same theory....
post #21 of 25
I’ve got a couple of the major ones but use my Discover card most of the time. I pay a bunch of my regular monthly bills with it and then pay on line. I hardly write any checks any more.

I also have a bunch of store cards that I have not used in years. Some still have my old address and I never changed it.

Funny you should mention this. I have a visa card that I hardly ever use. Last month I used it to renew my anti virus stuff because they don’t take discover. The only problem is when I got the bill it didn’t look like a bill so I threw it out.

I know not only is it stupid it’s not the first time.

I was paying other bills this weekend and decided to check on line to see when it was due. Turns out I was a week late and it makes me look bad!
post #22 of 25
Quote:
Originally Posted by CheshireCat View Post
I was paying other bills this weekend and decided to check on line to see when it was due. Turns out I was a week late and it makes me look bad!
When we were doing the mortgage thing I got to get a real good look at my credit report. For every credit card (for example, anything with a monthly payment including a car pmt) they gave me a rating of 1-10. A 1 was an on time payment and I think a 10 was no payment or realllllly late. It doesn't happen often but on occasion I know I have had a late payment, sometimes by a week or more and sometimes less (but not often!!) and mine still looked like 111111111111111. So I think they give you a grace period. It might be the amount of time it takes them to report to the agency that you paid/didn't pay
post #23 of 25
Two VISAS, with low balances.
post #24 of 25
One Visa debit card, One platinum Visa with $500 + dollars on it, and a master card with a -$4.37 balance on it. I guess I over paid it one time. Better to have more $$ on the balance then to owe more then you can pay. I learned that the hard way. My Ex opened many cards in my name and charged numerous things to them and I ended up filing bankuptcy because of it. My credit is impeccible now though.
post #25 of 25
I have 1 Visa (Anne Geddes one). I pay it off early every single month and don't use it if i don't have the $$ to pay the bill for it. I'm extremly good about my $$ even though i don't have a lot. I normally pay cash for everything- and if i don't have cash...i don't "need it"...../ I ususally use my credit card for medical bills and emergencies. I am EXTREMLY careful about my money/credit. I saw my mom struggle her whole live in debt as a single mom to provide for my sisters and I....and how hard it was for her to make ends meet from check to check- so I put myself through personal finance in high school and I try to pay off everything early every single month- i also try to PYF from each pay check and have several investments. Once I pay off dental school I plan to start saving for retirement when I get that done / Money stinks, i never have enough of it, but I definitely try to do the best with what I have and use it wisely.
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