How many do you have?

Credit Cards, BLAHHHAHA....I hate em, I have three, 2 at or over their limit, due of course to my irresponsibility of youth, and a third, always just under, that helps me to build my business in an effort to fix the others. So, two I do NOT use at all, and the third I use once or twice a month, depending on what I need to do to help build my business in Vitamark International. I have to fix my personal economy. Once that is done, I will eliminate all three of my current credit cards, then make a very carefully analyzed decision as to what one I should get there after. Sincerely and With Appreciation.

One card has all of the balances that got out of control on a low interest rate. That one should be paid off by the end of the year. He uses a visa card. I use a MasterCard. There's a Discover card where all my automated payments go. All three of those get paid off every month.

I was having three.And now I am having only one.I am keeping that single card for emergency sake only and I do not swipe it anymore.I just use my debit card only.I resolve to spend if I have money and vowed not to use my credit card on impulse.The interest rate is very heavy and it gets compounded in days that makes the amount you paid for the things multi fold.

Hi Dorann, I don't have any. I never have the chance to have a credit card here in the Philippines. I saw my friend and officemates so pissed with their credit cards and i don't want to have such kind of experience too. When i worked in the US, i was forced to get two. one with my bank and there's another one too. I am so strict in using my credit card.

Hi doran I have 5 in total, 3 are valid any where in the globe, but normally i don't use them frequently, becoz of 1.95% interest PER MONTH after the free period of 45 days, but when out of home say in another state in india, i use if i don't have cash, but i pay back once i am back home.. Thanks for sharing. Welcome always. Cheers. Professor

I only have one, and that is quite enough for me, I never got people who had a lot of creditcards. I use mine from time to time, but always pay it off immediately. The most I ever had was two, and that was only for a short time, when I was transfering from one bank to another. I see no need to get more either, so I don't think I will ever do that...

I have one for emergencies. We are paying extra on it to get the balance down.

I have none and I am living day by day with the grace of God so if you have a few credit cards kept the ones with perks and say goibyecto the rest. good luck!

I have one active and two that I am still paying off. We have been pretty strong about curbing our spending

We have two, I think. But we never use them - we have them only in case we have an emergency. I certainly learned my lesson after being in the DMP myself, so I carry zero cards with me. I've learned to deal with the cash I have on hand or use the debit card sparingly and thus far we're doing a-ok without using the credit cards. Congratulations on making it to eight months without using the plastic!!

Congrats on cleaning up your debt!! I bet that is helping you become less stressful. I had some credit issues in the past, but when my husband and I decided to buy a home almost two years ago I had gone back and cleaned up my credit. I do have one credit card that is in my name (I got it after we bought the house) and I need to pay that off. I am trying to make extra money on here so I can pay it off by August. The only other things on my credit report are my student loans and I am guessing the mortgage (the house and mortgage is in both our names so I am not sure whose credit report it shows up on). I only used my Lowes credit card twice, once for gardening supplies and once for the paint for both bathrooms. I am not planning on using them again.

Yeah, as far as I am concerned, I do not have one now. Several months ago, I really have a credit card.But in the end, I find that it really has nothing to do with me. So I just go to the bank and canceled my account there. With it was canceled, I find that I was full of joy that I will not care the card any more.

The way you started the question puzzled me. Anyway I do not have even single credit card. I have a debit card though, which also I have never used. While credit cards are meant to be helpful, they are subject to lots of frauds. Even the banks cannot be trusted about the assistance in case of any fraud. So I keep away from them.

i just have one credit card. i use it to make regular purchases. i also make sure that i pay the full amount due to avoid finance charges. so i don't really make purchases that i know i can't settle all at once. i use the credit card because it's convenient; and it might come in handy in case of emergency.

hubby and i only have two credit card between us. credit cards are not frugal friendly. they are too easy to use and get in trouble with! we only have ours for emergencies. one is a general card and one is for a major chain here in canada.

hi dorannmwin I no longer have a credit card as I got way in over my'head and was paying only the minimum. Sears would not consolidate like the other two that I had, and I got them paid off. and as Sears refused to lower their very high interest and what I could afford to make payments on was not enough to change the principal at all. so I just quit as I was just throwing money down a hole. the credit consolidators helped me to pay all on my Mervyns and JC Pennys account.so I was done with them and now my Sears one is gone by passage of time.so I use my debit card , safe to know I had my purchase all paid and no outstanding balances to pay.

None! I have my debit/ATM card that I can use as a credit card, but it comes directly out of my checking account balance, so it doesn't count. Aside from that I've never owned a credit card. Hubby had one a few years ago, with a $500 balance, we were supposed to use it to get his credit score up a bit.. but we were undisciplined and we kept using it when we didn't have cash, maxed it out, and couldn't afford the payments. I'll be hard pressed to ever get a credit card again, because I know we'll never be disciplined enough to use it right.

I'm happy to say we don't have any credit cards anymore. We payed them off a few years ago and are not debt free - except for our house mortgage and usual elec, phone etc. We do have a debit card from our bank we use sometimes but we always have the money in the bank to cover it. I'm so glad we got rid of our credit cards. They can be a lot of problem if you don't know how to control them.

I have a Mastercard, an AMEX and a Sears card and my husband has a Visa. We also have a gas card. I use my Mastercard for pretty much every purchase I make and my husband uses his Visa. I only really use my AMEX if I want the 'Front of the Line' concert tickets or if we're going to Costco because they don't take any other card. I pay the balance every pay day and have never had a credit card get away from me. I use it more like a debit card and never spend more than what's in the bank. The only reasons I use a credit card so much is because I refuse to pay the service charges to use my debit card and I like to collect the Airmiles. So, really, I use a credit card because I'm cheap!

We got rid of all of ours, they are SO dangerous. All we have now is our debit card, if we ain't got the dosh we don't buy it!!