Have you ever experience problems from your credit cards ?
@wildlittlefan (4680)
Hong Kong
February 20, 2011 4:16am CST
Many people loves to use their credit cards for expenses payment.Almost eveyone can get a creadit card easily in today's society. Unfortunately, many people just over use this kinds of services that they end up have to keep on paying for their interest.Some people have to use more than a year to pay off what they owe from the credit card company. I was like that once and understand the pain of it(But not anymore). Later on, some finance advisor taught that " if you think you can't pay off by the end of the month , don't use it" It would be a wise suggestion for our finance management. Well, what's your experience? Share with us?
1 person likes this
8 responses
@dorannmwin (36392)
• United States
23 Feb 11
It has been right about a year and a half since my husband and I have used credit cards. We enrolled in a debt management plan at that time which locked us out of his credit cards but it didn't lock us out of mine. However, when we stopped using his credit cards I decided to stop using mine as well. Now, as soon as we get our federal tax return next week I am going to finish paying off the three credit cards of mine that still have a balance on them.
@irene66 (1669)
• Philippines
21 Feb 11
I do not have a credit card.
This is because I do not like to pay extra charges for the interests and all.
I would rather use cash to pay what I buy.
This way there is no problem that I may encounter in the future.
Though I can see people use credit card very easily.
But I stick to the cash.
I do not want to be tempted with that credit card.
I might not control my urge to abuse it.
and might end up in jail for not being able to pay! ! !
and might end up in jail for not being able to pay! ! !
@joygracia (1325)
• Philippines
21 Feb 11
Its actually my moms credit card but I was bearing all the burden of paying my moms debts with credit card. Its was really a choas for me. I said to myself never to get any credit cards in the future.
@RobtheRock (2433)
• United States
20 Feb 11
I have never used a credit card. I'm already in bad enough debt and don't need any more. There's nothing I need bad enough to use a credit card for. Sometimes I use my debit card as a credit card to keep from paying the small fee.
@ynowiziki (79)
• China
20 Feb 11
I loves to use credit card because it is so convinient and sometimes we get certain percentage off if the card company have the deal with some stors,but for me,i've never max out my card,I have my card attached to my debt card cause always in china,the certified banks can issue credit card,so as long my debt card is not dried up,I will use the credit card and the bank will deduct money from my debt card monthly basis.
@careguarden (5670)
• Philippines
20 Feb 11
Hello wildlittlefan..My hubby always use credit cards but I told him to stop using it because sometimes, they charge us big that's why I don't like to use it even if we are on the shop..I used to give cash not credit cards.
Happy mylotting..
@sender621 (14893)
• United States
20 Feb 11
I have had my share of bad expeieinces with credit cards. That is why i am making the choice not to use them anymore.