About Credit Cards

Duty Honor Country · March 28th, 2005

After I got back from Iraq, I paid off my credit cards and said "never again." I had about $2500 in credit card debt before Iraq. I tried my best to get rid of it, but I never seemed to make a dent in it. Now I pay cash for everything and firmly believe that if you do not have enough cash for it, you do not really need it. Life is a lot better since I have little debt. Looking back, if I never had any credit cards, I would have less stuff but a lot more money in the coffers.

With that said, what are your views on Credit Cards?

USAFAUX2004 · March 28th, 2005

Credit is good for some things, but I do not think that a person needs 20 or so, just one or two

WarMachine · March 28th, 2005

I don't like how banks pretty much make it mandatory to give you a credit card and then charge you extra when you use other banks' ATMs.

LIPS · April 4th, 2005

Credit Cards when used correctly can be a useful tool in managing your financial situation in this ever increasing cash less world. Like the old ad says I never leave home without it.

chewie_nz · April 4th, 2005

i avoided them like the plague for a long time, then i got online and i use mind purely for ordering music & books from overseas.

usually next time i go into town i put whatever i paid for the product straight back on the card. therefore i don't get inot that debt cycle. in the end because of the huge mark-up music has in NZ i am saving a reasonable amount of money. i NEVER use my card for anything else.

hicks · May 8th, 2005

They are great when you're in a jam.

But I have one that I use for all my bills and pay it off each month because I earn points.

MontyB · May 8th, 2005

Quote:

Originally Posted by USAFAUX2004

Credit is good for some things, but I do not think that a person needs 20 or so, just one or two

I agree, I have one and I use it pretty much exclusively for out of the ordinary purchases (hotels, dinners out etc) while travelling.

Missileer · May 9th, 2005

Travel was my main reason for needing one. The receipts are easier to keep up with while spending and motels, hotels won't give reservations without a card number. Same with rental cars.

AFSteliga · May 9th, 2005

Travel and anything that I buy online that I might need that doesn't offer COD is all that I'd use mine for if I had one.

LeEnfield · July 29th, 2005

They make it to easy for you to purchase stuff that you can't afford, to many people their total debt is just a number and means nothing to them. In the finish you are just working to pay of your credit cards, try never to spend more on Credit than you can afford to pay off completely at the end of the month.

View Poll Results :What are your views on Credit Cards
Like them and use them	4	21.05%
Hate them and use them	3	15.79%
Use them only for emergencies	4	21.05%
Used them, but NEVER again	2	10.53%
Never had one!!!	6	31.58%
Voters: 19. You may not vote on this poll

March 28th, 2005	#1
Duty Honor Country	Credit Cards info After I got back from Iraq, I paid off my credit cards and said "never again." I had about $2500 in credit card debt before Iraq. I tried my best to get rid of it, but I never seemed to make a dent in it. Now I pay cash for everything and firmly believe that if you do not have enough cash for it, you do not really need it. Life is a lot better since I have little debt. Looking back, if I never had any credit cards, I would have less stuff but a lot more money in the coffers. With that said, what are your views on Credit Cards? "The best form of taking care of troops is first-class training, for this saves unnecessary casualties." Erwin Rommel

March 28th, 2005	#2
USAFAUX2004	Credit is good for some things, but I do not think that a person needs 20 or so, just one or two

March 28th, 2005	#3
WarMachine	I don't like how banks pretty much make it mandatory to give you a credit card and then charge you extra when you use other banks' ATMs.

April 4th, 2005	#4
LIPS	Credit Cards when used correctly can be a useful tool in managing your financial situation in this ever increasing cash less world. Like the old ad says I never leave home without it. Some more words of wisdom from LIPS

April 4th, 2005	#5
chewie_nz	i avoided them like the plague for a long time, then i got online and i use mind purely for ordering music & books from overseas. usually next time i go into town i put whatever i paid for the product straight back on the card. therefore i don't get inot that debt cycle. in the end because of the huge mark-up music has in NZ i am saving a reasonable amount of money. i NEVER use my card for anything else.

May 8th, 2005	#6
hicks	They are great when you're in a jam. But I have one that I use for all my bills and pay it off each month because I earn points. __________________________________________________ \"People sleep peaceably in their beds at night only because rough men stand ready to do violence on their behalf.\" - George Orwell

May 9th, 2005	#8
Missileer	Travel was my main reason for needing one. The receipts are easier to keep up with while spending and motels, hotels won't give reservations without a card number. Same with rental cars. “War is an ugly thing but not the ugliest of things; the decayed and degraded state of moral and patriotic feelings which thinks that nothing is worth war is much worse.” —John Stuart Mill

May 9th, 2005	#9
AFSteliga	Travel and anything that I buy online that I might need that doesn't offer COD is all that I'd use mine for if I had one. MCpl K. Steliga Ground Controller Wing Operations/Air Traffic Control 14 Wing Greenwood Royal Canadian Air Force Per ardua ad astra

July 29th, 2005	#10
LeEnfield	They make it to easy for you to purchase stuff that you can't afford, to many people their total debt is just a number and means nothing to them. In the finish you are just working to pay of your credit cards, try never to spend more on Credit than you can afford to pay off completely at the end of the month. LeEnfield Rides again

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