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Discussion Boards => Off-Topic => Topic started by: mrbizzard on September 04, 2014, 11:03:30 am

Title: Do you own any credit cards?
Post by: mrbizzard on September 04, 2014, 11:03:30 am
Do you own any credit cards?
Title: Re: Do you own any credit cards?
Post by: bremer51 on September 04, 2014, 11:11:34 am
Of course. I'm an American.  However, I pay mine off each month so as not to accrue any interest charges.
Title: Re: Do you own any credit cards?
Post by: Nancy5 on September 04, 2014, 01:03:32 pm
Doesn't everyone?
Title: Re: Do you own any credit cards?
Post by: aflyingmonkey on September 04, 2014, 01:29:35 pm
Yes.
A bunch.  :)
Title: Re: Do you own any credit cards?
Post by: jcalexis on September 04, 2014, 01:45:40 pm
I have a couple of them but I never charged them. Maybe once or twice just to keep them active.
Title: Re: Do you own any credit cards?
Post by: alice44 on September 04, 2014, 01:54:03 pm
Yes - I think it would be difficult to function today without a credit card.
Title: Re: Do you own any credit cards?
Post by: lhz123 on September 04, 2014, 02:58:00 pm
Yes, I got two for an emergency use only.
Title: Re: Do you own any credit cards?
Post by: sapnahs on September 04, 2014, 03:12:35 pm
I don't have credit card i use only debit card.  :(
Title: Re: Do you own any credit cards?
Post by: crisstar on September 04, 2014, 03:14:42 pm
I own about 4 or 5. That's too many in my opinion, but once you start getting one, the others start coming too!
Title: Re: Do you own any credit cards?
Post by: babyturtles23 on September 04, 2014, 04:10:56 pm
Nope! Not a single one.  :-\
Title: Re: Do you own any credit cards?
Post by: hawkeye3210 on September 04, 2014, 04:27:27 pm
Yes, I have a couple.
Title: Re: Do you own any credit cards?
Post by: premar16 on September 04, 2014, 04:57:31 pm
Nope I am afraid of credit cards
Title: Re: Do you own any credit cards?
Post by: debidoo on September 04, 2014, 06:34:32 pm
No No credit cards for me.  I do not have good credit due to my husband's death and other issues but I think if you can have a card that earns you points and can pay it off every month then that is fine.  I am ok though just living on what I have money for - it was an adjustment but I am glad now.
Title: Re: Do you own any credit cards?
Post by: quietpal on September 04, 2014, 07:31:48 pm
I don't have any credit cards and don't plan on getting any. With my previous experience in credit cards, I'll just stick to debit or prepaid cards.
Title: Re: Do you own any credit cards?
Post by: lguzman1 on September 04, 2014, 10:48:29 pm
I don't own any credit cards.
Title: Re: Do you own any credit cards?
Post by: jmc1982 on September 05, 2014, 02:37:35 am
Of course, i own 4 credit cards which I have in case of emergencies
Title: Re: Do you own any credit cards?
Post by: mrisha on September 05, 2014, 08:10:15 am
I think most people have at least one credit card, it's what you do with it that can get you in trouble.  I use to over do with my cards many years ago, but learned my lessons when I couldn't do other things trying to pay them off.  I made the money, but it went towards bills.
Title: Re: Do you own any credit cards?
Post by: devideddi on September 05, 2014, 08:19:56 am
nope, never have had any
Title: Re: Do you own any credit cards?
Post by: squirrelgirl44 on September 05, 2014, 08:28:27 am
I have just one card. I spend about 8 months of the year not using it and then inevitably, back to school time comes and I start using it and then I have to use my taxes to pay it off :(
Title: Re: Do you own any credit cards?
Post by: Getinonthis on September 05, 2014, 08:41:50 am
I have a few credit cards, but I use them only as extension of my finances to increase my credit. I always try to stay at a minimum while my maximum remains at $250.
Title: Re: Do you own any credit cards?
Post by: DeliriousKris on September 05, 2014, 09:22:58 am
My husband and I both have a credit card in our name, then we have signed up the other as an authorized user on one others accounts.
We got his credit card so he could buy a $2,000 bicycle (he is a cyclist) because the company was having a special where there was no interest for 15 months. After the 15 months is up, he won't use his card much anymore.
I got my credit card because I want to keep my credit score up/active. I use it for promotional points (like 2x points at restaurants) and then pay it off as soon as it shows up on my statement (or shortly thereafter).
If I don't have the money in my bank account to buy it...I don't need to use my credit card for it.

(Though I do feel better knowing that if we had an expensive emergency, we have the credit cards to pay for it, even though I know there will be interest if we don't pay it off soon)
Title: Re: Do you own any credit cards?
Post by: vickysue on September 05, 2014, 04:02:34 pm
Yes Hubby and I have credit cards. Hi and mine and 1 ours. They are paid off and only use one if it we have too. which is not often and it is paid off monthly. It feels great not owing on them. Lots of hard work and they were paid. So much of it was his medical.
Title: Re: Do you own any credit cards?
Post by: LaTashaS28 on September 05, 2014, 04:04:08 pm
No, I don't own any credit cards...but I only use pre paid debit cards which I love
Title: Re: Do you own any credit cards?
Post by: bigfoot951 on September 05, 2014, 04:26:08 pm
I am yet to meet anyone who doesn't.  I got my first one when I got out of college.  Mainly trying to help build credit and also for emergencies.
Title: Re: Do you own any credit cards?
Post by: sanglee on September 05, 2014, 07:23:58 pm
I personally dont, but I think i should, i mean im old enough, but when i buy things from amazon or ebay i use my moms credit cards
Title: Re: Do you own any credit cards?
Post by: shepherdchik on September 07, 2014, 10:36:56 am
I have too many credit cards. 3 from one company and 2 from another. I want to combine them onto 2 cards but the one company won't let me and I just have to call the other and I should be able to figure it out with them. Plus I have 2 dept store type cards
Title: Re: Do you own any credit cards?
Post by: lmrbean on September 07, 2014, 12:05:55 pm
Yes, more than one, but I mostly use the one that gives me airline points.
Title: Re: Do you own any credit cards?
Post by: reiddb on September 07, 2014, 12:08:05 pm
Yes, one major credit card and then several store cards, ie Kolhs, Sears, etc....
Title: Re: Do you own any credit cards?
Post by: sharonpatri55 on September 07, 2014, 08:14:39 pm
As hard as it may be to believe, I have no credit cards, never did, and never will.  :)
Title: Re: Do you own any credit cards?
Post by: bettey13 on September 08, 2014, 09:29:36 am
Nope, don't own any credit cards now. Had a few a long time ago, but got into too much trouble, took a long time to get them all paid off.
Title: Re: Do you own any credit cards?
Post by: honeyflower93 on September 08, 2014, 01:22:27 pm
No but I'm going to get some secured cards soon. It's necessary as my credit is abysmal. Unfortunately, my parents didn't teach me much about finances. I thought avoiding credit cards would be a good thing but it's really not.
Paying bills (rent utility) on time keeps your score from dropping but usually doesn't help it rise. Apparently they have to pay a fee to report to credit bureaus so it saves money to only pay this fee when something is wrong. Basically the cards would have been somewhat of a buffer when I was having hard times.
Responsible credit card use and repaying whatever small loans you can get approved for will help rebuild damaged credit over time. I'm going to get maybe 2-4 cards and go from there.
Title: Re: Do you own any credit cards?
Post by: madeara on September 08, 2014, 01:27:55 pm
Yes, I do own credit cards.   I have two credit cards.  I always pay my bill early.  I have perfect credit.
Title: Re: Do you own any credit cards?
Post by: Skyenkit on September 09, 2014, 09:30:52 pm
Yes! I also have debit card but I don't use it I only use credit cards all the time.
Title: Re: Do you own any credit cards?
Post by: Jon626C on September 10, 2014, 04:45:35 am
I don't have credit card. Thank You!
Title: Re: Do you own any credit cards?
Post by: jenniferhoder on September 10, 2014, 04:56:17 am
Yes, a few but I don't let the balances get too high
Title: Re: Do you own any credit cards?
Post by: ljrjess69 on September 10, 2014, 03:55:27 pm
nope,,use to but not anymore!!!!!!! :cat: