How many credit cards do you have?
By sweetseoul
@sweetseoul (732)
Philippines
September 28, 2010 7:22pm CST
I have 3 and it's really depressing. Now I don't use them anymore since I want to get rid of them. I try to pay them little by little and hopefully I'll be free from debt next year. So for those who still don't have one, don't get one. YOu'll end up spending too much and before you know it, you have reached the credit limit! :(
2 people like this
10 responses
@zzyw87 (1254)
• Philippines
1 Oct 10
I just have one credit card. Even with just one credit card, I seldom use it. I don't like using credit cards because I tend to overspend with it. That is why I just stick to cash when shopping. If I ran out of cash, then I stop and simply go home. I only use credit cards when buying necessary items that cost a lot of money, like appliances.
@sweetseoul (732)
• Philippines
1 Oct 10
Good for you. Don't get one even if you're tempted. You'll end up like me with a lot of debt! :(
@sweetseoul (732)
• Philippines
30 Sep 10
My advise to you is don't use your credit cards if you have cash on hand. That way you'll not spend above your budget.
@sweetseoul (732)
• Philippines
30 Sep 10
That's good. Don't get another one. Take it from me! ha!ha!
@asyria51 (2861)
• United States
29 Sep 10
I have one card that I keep at a reasonable limit. I have never maxed it out, but came close this past month due to some unforeseen bills. I do like the points etc. that i earn on it. Since i am responsible with it, pay it off every month, the points are a nice perk. I earn enough every year for a round trip flight anywhere in the US(my home country). My only current debt is the "good" debt. A school loan and a mortgage. I am paying those down faster, and will hopefully be completely debt free in 15 years. My school loan will actually be paid off sometime next year. I will probably put that money towards paying down my mortgage even faster.
@youless (112586)
• Guangzhou, China
30 Sep 10
Right now I have at least six credit cards. It is just so easy to apply for a credit card. Actually I don't want many credit cards because I will feel confused. But the bank offers attractive gifts when you apply for a credit card. Due to it, lately I just applied for three credit cards. Usually I just use two credit cards and I don't use the rest at all. I want to cancel the rest after a year.
I love China
@sk66rc (4250)
• United States
1 Oct 10
I have one credit card & I treat it like a debit card. Whenever I can afford to, & it's not too often, I usually try to over pay the bill so when I do use it, I have some spending room on it. I went on a vacation for a week at the end of August. When I got the credit card bill in July, which was only for 20 some dollars, I knew I was going on a vacation so I paid with what I have been saving up for the vacation, with little bit of extra cash on a side. When I came back from vacation, I still had $150 left over from my vacation money sitting in my credit card balance. It worked out great because few days after I came back, I had a flat tire & had to get it fixed. With brand new tire & everything that went into it, bill came out to $180. Last credit card bill only came out to be little over $30.
@CTHanum (8234)
• Malaysia
1 Oct 10
hi sweety!
i don't have any and i don't want to have too~
i don't think i will fall in love with it as i am a kind of person who likes to pay with cash.i always believed that credit card provided for a rich person-they have money and can spend whenever they like.
they don't own big purse to carry load of money.
i am not belong to that category as i can still put my money in my wallet.