Credit Cards are no longer for me!

Thats good to hear your able to pay off your credit card. Credit Card is only good for emergencies, when you need quick cash, other then that, it is a rip off. Yeah, I have a credit debit card also, its useful for online transactions, and uses your own money instead of the banks money, so you can budget properly or something like that.

Hi Mirita, I think you have the right idea and those who can do so should follow suit. The credit card companies need to be put under some guidelines anyway, no one should be allowed to charge such rates. I have one credit card and use it sparingly. Hopefully I will be able to pay the complete balance soon. Blessings.

I have doscovered something wonderful, in the credit card department. I have obtained pre-paid cards from banks in Canada, and in the United States. These cars only use the money that I already have in the bank. That way I don't go into debt, and I don't end up spending money that I don't have.

I applaud you for that. I got a credit card probably later in life than most people. For five straight years I paid off the balance in full every month. Well, life happens and my health declined, and I got on disability. I still have my credit card, but I've made changes. I asked my credit card company to keep my limit low, and not to ever raise it. And even though I cannot pay off the balance in full, I pay way more than the minimum balance. For the past several months I've hardly put anything on my credit card. Unless it is an emergency (an emergency usually ends up being I get a prescription my health insurance won't cover, so I have to pay out of pocket and it's not a $4 Walmart prescription, lol).

It's great that your getting things straightened out. It is so easy to fall into the debt hole and it's harder than Hades to dig yourself out. We've been working a little at a time to dig ourselves out too. No more credit cards for us. We have a debit card and that's it. [b]~~AT PEACE WITHIN~~ **STAND STRONG IN YOUR BELIEFS**[/b]