Do you have credit card debt?

Discussion in 'Forum for Polls' started by SaggyWoman, Mar 21, 2008.

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Do you have credit card debt?

  1. No.

    17 vote(s)
    28.8%
  2. I used to, but I don't now.

    4 vote(s)
    6.8%
  3. I pay off what I use each month.

    17 vote(s)
    28.8%
  4. Yes, I have under $1000.

    4 vote(s)
    6.8%
  5. Yes, I have under $2500.

    1 vote(s)
    1.7%
  6. Yes, I have under $4000.

    1 vote(s)
    1.7%
  7. Yes, I have under $6000.

    4 vote(s)
    6.8%
  8. Yes, I have under $8500.

    2 vote(s)
    3.4%
  9. Yes, I have under $11000.

    1 vote(s)
    1.7%
  10. Yes, I have more than $11000.

    12 vote(s)
    20.3%
Multiple votes are allowed.
  1. SaggyWoman

    SaggyWoman
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    Your answer, por favor?
     
  2. LeBuick

    LeBuick
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    More then the $11K and I hate it. My wife seems to think that buying it on credit is not the same as spending our money. :BangHead:
     
  3. StefanM

    StefanM
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    I generally try to avoid carrying a balance, but I've had to use credit cards lately since I was recently without a job.
     
  4. LeBuick

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    Sorry to her Buddy we'll keep you in prayer... :praying:
     
  5. StefanM

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    Things are on the up and up, though. God has provided me with a place of service and a place to live. Thanks for the prayers.
     
  6. Crabtownboy

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    It would be intestering to know how many do not own a credit card, but do own a debit card.
     
  7. Tentmaker

    Tentmaker
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    I only have one card (VISA), but haven't used it for about two years. No credit or any debt for that matter. Everything we own has been paid for.
     
  8. Crabtownboy

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    I use a debit card. They are especially useful now that ATM's are available all over the world. No more carrying cash or travelers checks when I travel and/or live in another country. I then check at least weekly online my account to be sure nothing "strange" appears on the charges.
     
  9. I Am Blessed 24

    I Am Blessed 24
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    I have no credit cards, but I do use a debit card.

    I have no debt, other than our home.

    I get punished for not having credit cards, however.

    I recently got DSL and I had to put down a deposit because when they went to look up my credit rating, nothing appeared.

    I would think that would mean excellent credit. They don't see it that way...
     
  10. sag38

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    There is nothing wrong with having a credit card if it is used in the right way. My wife and I pay off the balance at the end of each month. As an added bonus we get cash back. Last year was just above $250.00. I purchase gas with another credit card which gives me 3% off on the first $150.00. It's not much, but three cents off per gallon is better than zero. Over a year it adds up to $54.00.
     
  11. chuck2336

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    I have two cards that have been used in emergancies as well as putting my DSL charges on every month. Other than that I try to pay cash.
     
  12. I Am Blessed 24

    I Am Blessed 24
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    You are correct, but I had a tendency to overspend once and I cut up all my credit cards, paid off all the bills, and will NOT have another one...so for ME, it is wrong to have one.
     
  13. LeBuick

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    Can I send my wife to have you explain this to her? :applause: :applause: :thumbs:
     
  14. I Am Blessed 24

    I Am Blessed 24
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    Sure! Just have her drive down I-55 a piece and I will have coffee waiting. :smilewinkgrin:
     
  15. J.Wayne

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    I did! It ruined me! Now I do not! And not much else either. The only thing I have is God and His grace.
     
  16. PamelaK

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    I''ve known others in this same situation. It would seem like the mortgage woiuld be enough!
     
  17. LeBuick

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    Even rent if you always pay on time... :thumbs: :applause:
     
  18. Dale-c

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    I had just a debit card for several years.
    I started a new job last fall that required me to get a credit card.

    So far I have just paid it off each month.

    A couple of times I have actually paid it off more than once a month since I have a low spending limit and I travel a lot.

    Technically I am self employed so it is nice to keep all work related expenses on my Visa credit card and everything else on my debit card.
     
  19. Gwen

    Gwen
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    We used to have a credit card. I used it to buy the kids school clothes and some things that I needed for myself. I found that the clothes were worn out or outgrown, and we were still paying the credit card company for them. I thought it very foolish, so I cut up my card and haven't had one for about 15 years.

    I do have a debit card, tho.
     
  20. AAA

    AAA
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    i never had a C.Card.

    I am now in my 30's and I have never had a credit card in my life....
     

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