Credit cards are Evil!

We don't have a credit card, if we can't pay cash for it we really don't need it. Years back I got into debt for plastic money and I said never again...We have Credit/Debit card, but you have to have the money in the bank to use it. What is really up setting is the new cards today have a high interest rate on them so you you can't pay the bill in full you get tagged big time on interest. Then heaven forbit your late with a payment. Some charge as high as $35.00 late fee... We can't see having one..Like you said, "Those cards are Evil"

I have 2 credit cards, one I pay and one my husband pays... the one I pay I use occasionally for small things, the one my husband pays... well I use it a little more, lol. But he doesn't care he got it for me so that I could buy whatever I want without asking him for money, so why not? He pays it off as soon as the bill comes in so he doesn't pay interest on it.

I should also point out that with ALL the money I am making on this site, I can pay them off!!!! lol

They are evil and should be distroyed. I have plenty of them and can't see my way out. Luckily my husband is expecting a bonus so we will pay them all off!!!

they are evil ...lol i applyed for 3 got the first 1 with a smaller limit and blew it all in 1 day on a new motorbike and tools got the second 1 with a medium limit and blew it all on another bike and clothes got the third 1 and cut it up the minute it arrived i cut the first 1 up paid them off and just use them when ime buying online now ive never been in debt till i got a creditcard

I personally am not a big fan of having a credit card. I have never had one. I've thought of getting one but never went through with doing so. But my other half has & ended up getting himself caught up in having to pay a lot of debt off. So now we've thought of getting a credit card just in-case we may want to rent a car, among other things.. But I know if we we're to get one he'd hand it to me because he knows I am good with money & wouldn't allow us to use it on a regular basis. But I feel in away that if you pay your balance on your credit card every month.. That the card is almost basically free. I think the problem people have is they spend more than they can afford. I think if one is to have a credit card that you should only spend what you can afford instead of going crazy with it. I know I'd have a limit on mine & wouldn't allow myself to go over that limit. I don't know I'd much rather pay with cash up front then having to turn to using a credit card. I think it becomes a bad habit for to many people. And I don't want to end up going in to debt. Though I know I don't get tempted all to often & can control my spending habits. But I agree for the most part credit cards can be evil! But I know that I'd only spend what I could afford to pay off. And I think if people did that then they wouldn't be having to pay debt off. But we all sometimes get ourselves in some rather sticky situations. But everything is a learning experience in the long run!

They're good to have for emergencies. But, you got to make sure you got the discipline to use them only for that lol. And yes, that always irritates me when they ask that. I always say, nah you won't give me one :) Usually shuts them up real quick lol.

I think credit cards are only evil if you are not able to pay them It's a matter of responsibility that if you acquire one it doesn't mean that you have to spend a lot that's why they applied a certain credit limit. For now I don't have a problem about credit cards because I don't hvae one. I wanted to just to experience having it on your wallet and buying some stuffs without limits but then the use of ATM cards are more cheaper. You'll never had bank debts if you choose to use ATM cards so I sticked to it and as of now I don't have problems with credit cards.

IT DEPENDS ON AN PERSON HOW HE OR SHE USES CREDIT CARD. BUT STILL FOR MIDDLE CLASS PEOPLE I DO THINK CREDIT CARDS SHOULD NOT ENTER THEIR LIFE AS THEY CAN REALLY DISTURB THE PEACE OF MIND. TAKE MY EXAMPLE I OWE TEN CARDS AND EVERY TIME I TRY TO COME OUT OF IT, JUST ANOTHER TIME I AM MORE INVOLVED WITH IT WITH SOME OFFER BY THE BANKER.

i have never used credit cards. i think they get more people in trouble than they help. learn to live w/out things u don't need learn to wait till u have the money to buy things instead of using cards.