Are you a Credit Card Addict?

I am not a credit card addict..I just have one: Capital One..They give you cash back on all you spend:)

Hi faith!Im glad to say none of these apply to me. I dont own a credit card anymore. My hubby and I got rid of them years ago. And its been so much better. They are too much of temptation. No thankyou I will pass on the credit cards.LOL

I'm actually the exact opposite. If I can't pay cash I don't need it. I detest the credit cards and think they are too easily abused, not to mention the companies hand them out like candy on Halloween. Not for me!

NOt i'm not.I dont want to be a bankrupt cause of credit card addiction!

I had a credit card before till it was lost. I can say i am not a credit card addict that time, i always make sure that my expenses fits with how much i earn. I hate to be in a big debt so i always do budgeting. Whenever i use a credit card, it if for sure planned or in some emergency.

No, currently I do not hold a credit card in US. Normally I will pay cash for the grocery. I spend within my limit. Since I am not working and a homemaker, I have cut down numerous of expenses that I use to. Like, buying new clothes for myself, eating at home rather than restaurant, my sons start making his own toy by using recycle plastic bottle, cardbox.... not bad, they are more creative than before. For instance, previously when I am working, we tends to visit the zoo, thereafter dine in restaurant and relax at coffeebean/ice-cream parlor. Now, after the zoo, we have picnic at the park, thereafter rest under tree enjoying the breeze and have cool drink from our cooler box.

I am. Soon I will be quitting by settling the accounts. Never in my life, I would like to use the credit card I am debt trap.

I dont use credit cards,im afraid to loose control on shopping and be burried on credits. i like to have some amount of money on my pocket to spend how ever i want it. if it finished then im on my limit without credit. Thanks for sharing response to my post..

Hi faith, No I don't have a credit card and that is just fine with me :) I never ever want one because I have seen what it can do to some people! I have known people who are THOUSANDS of dollars in debt because of credit cards, so I think I'll pass lol. Love & Hugzz, Your Friend, PurpleTeddyBear!

I don't have credit cards and never intend to get one.. I know a lot of people with smiles and 'feeling glamor' to own credit cards but most of the 'addicts' are crying inside when it comes to payback time..lol.. still trying to avoid those calls though...LOL.. ( sir, would you like to...etc.)

none of those are applied to me..i am not a credit card addict though i had a huge amount of bills to pay..you must be wondering why i could say i'm not an addict and so i had bills to pay aside from the annual payment.. well i was caught up on a very critical point in my life that i was forced to use the card..my daughter got sick and i needed cash and i dont have it during the time and so i needed to cash out money from the card and i did..after several months of paying the debt of 14,000 pesos i found out that i was going any near to cover the bills but instead i was just paying the interest all the time..i get to pay every month but i just cant lessen the bills..i knew that i need to pay the bill all at once to cut it but i am not capable of doing so because i dont have a stable job at the moment..i dunno till when i could get a hold on this things to end but i just knew at least i have to pay the interest to prevent it from raising up..

Hi faith210! I am not a credit card addict because I never had a card in my whole life!! *hehe* But I applied for one recently, and hopefully I'll receive my cc in my mail a week from now. :) I was able to work in a credit card company and I know how convenient having a card, and at the same time, how hard it is when it is "pay-off" time. *hehe* The interest are just so high! But I believe that if you just know how to manage the way you handle the credit card, then you'll never be overwhelmed with the bills. :) I am the only one in the family who got a fixed income, so I find ways to earn extra. And also, I save some of the money I received during payday and invest them. :) It's better to have something when "rainy days" come. :) take care and God bless! (",)

I am not sure if i heard of her. We have one card that is all. I think though that sounds like my husbands father. You have to be carefull with credit cards. It doesnt take long to get in over your head, we had them when we were younger but lost them. We are finally getting our credit a littl better. When you are young you do stupid things with money.

I have severval credit cards but I seldom use them to buy goods but to use real money.because I think that you use your credit cards,you will not have any feelling that you are spending to much money than you can afford.

Yes I am a Credit Card Addict, I have 5 of them, and I am waiting on another one. They called me up and said I would be approved for one for 7,000 I don't believe it I will believe it when I see it. I am always maxing out, as soon as I pay on a credit card I end up using the money for gas or something. If they send me this 7,000 credit card I will pay off the other 4 they are not much.

I am not a credict card addict.But i have a credit card and i uses it rarely.If i start using it regularly,my buying tendency increases.So,i stopped using it.

I don't like credit cards, I don't believe in credit cards, and I don't want to have my own credit card either. On the other hand, a credit card is needed for certain transactions on line. For these transactions I got myself a Visa check card from my bank, in the USA. They don't have check cards in Canada, so I got one in the USA. This is good because I can use lt like a credit card, but the money comes right out of my account, so I don't have any bills to pay. I keep track of this the same way I'd keep track of a check book.

Dear Felicity.. I have no such problems..'coz i know some people who are experiencing atleast some of the above probs...and they have warned/i have learned from their experience and i decided not to have a credit card.. and till this day i dont have one.. and hence i can't give any advice to you, my friend, but one thing is for sure.. whether you have credit card or not.. Before going in for a purchase make double sure whether it is necessary or think a while if you can manage with the existing one.. Happy mylotting..and Enjoy Peace Within

I am a credit card addict but now I am in a big problem, I do not have any credit card. I just moved from US to UK and as I am new here not having a good credit, I cant get a credit card until my credit line goes up. So I am in total control now cause I am using $$ credit card and paying the % for exchange $ to pound. My expense is much tight and I am applying without rest, no its not so easy now

At one time I was a heavy user. I did not have many of the money problems described. I was at that time earning enough to pay the bills and cards, but I did carry a balance on many of them. Then one fine day I was doing my taxes and discovered I had paid $1200 in interest that year!! That did it for me!! I immediately cut up 24 of my then 26 cards and sent them back. Of course, they simply reissued me new cards with a new higher limit, but I sent those back and requested no further cards. I stuck to a tight repayment budget until all but the remaining two were paid off and gone. Then I killed one of those lol in the same way. Since that time, 1985, I have had only one card. The limit is enough to overcome most emergencies. I use it once every three months for $20 to keep my rating up and the limit goes up every year because of that. Now I only have that little $20 bill on those months to pay. All else I now handle with cash. I am so much happier without them. Now it was a drastic way to get out, and if the payments are a problem, there are some recommended methods. I have read many and have had friends who tried some of them. IMHO, this is the best way. Line those babies up, check the FULL balance, line em up from least to highest. Pick ONE card you are going to keep as the only one you'll have when you are done (pay this one off last). Now, make minimum pays on all but the smallest, make doubles on that one until paid off. Cut it up and cancel the account. Then tackle the next one, send in the minimum payment PLUS the amount you were sending in for the one before. Same process. Each time one is paid off, cut it up and CANCEL the account. It will seem like forever, but before long you will have only the one card, all paid up. Then keep it active with a tiny purchse three times yearly and send in your check the day you make the purchse (so it will be an early payment). This will cause them to raise you limit yearly if not more often and keep your rating at triple A standing. As an ex-plastic junkie I wish you luck. You can do this. And it feels so wonderful to have you paycheck for yourself again.