if so have you hammered it?
Did you learn your lesson?
Or did you go out and get another one before your credit rating sank like a lead balloon?
Me... Been there done that... only thing on tick now is my mortgage!
2006-06-27 04:27:46 · 15 answers · asked by Audiology@Home 2 in Business & Finance ➔ Credit
Yes but I am very sensible with it and only use it to purchase important things such as make-up and cigarettes.
Guess what? LEVEL 5!!! WOO WOO! (okay, it's pretty lame but what the heck?!)
.. Yeah, I saw your answer to 'is London a dangerous place to live'? Lol! I've got a few dodgy hair dryers from Taiwan if you're interested, they normally retail at a score, but you can have one for a fiver ...
2006-06-27 07:10:20 · answer #1 · answered by LONDONER © 6 · 2⤊ 0⤋
I use credit cards for the advantages - up to 6 weeks free credit on purchases (the time between the purchase and the bill being due for payment), additional legal cover of the Consumer Credit Act, and the cashback my card gives on purchases. Plus the convenience - it's easier and safer to carry a card than a large amount of cash.
I never use the card for things I can't pay for the next month.
My bill is always paid in full, so I never pay any interest.
2006-07-01 01:58:13 · answer #2 · answered by Neil 7 · 0⤊ 0⤋
iv well and truly learnt my lesson about credit cards. iv so much to pay back now, in the 10 years or so iv had them that im stuck at my mums for another 3 years at least before i can afford a mortgage. i'll be about 32!
2006-06-27 04:33:21 · answer #3 · answered by iloveF1 3 · 0⤊ 0⤋
I had a few and each time I took one out, I told myself that it was to pay off the last one. But then spent more and more on crap. So eventually had to give them to my dad so I couldn't use them. Am living abroad just now so have one for emergencies but it's solely for medical fees and emergency plane fare home etc
2006-06-27 06:49:27 · answer #4 · answered by Anonymous · 0⤊ 0⤋
I would like to have one but to get one I need to have a annual income of £20,000 but I'm not that rich yet..thats why I don't have one. I do use store card and I pay them off every time I get the bill..
2006-06-27 05:49:32 · answer #5 · answered by Lemi 4 · 1⤊ 0⤋
Not anymore some lessons are better learned the hard way still digging my way out
2006-06-27 04:30:49 · answer #6 · answered by MOVING 5 · 0⤊ 0⤋
Nope! Been there done that. If I can't afford it I don't buy it. I'm the same as you, just the mortgage left to worry about ;-)
2006-06-27 04:32:38 · answer #7 · answered by Away With The Fairies 7 · 0⤊ 0⤋
personally no won't touch them don't see why i should pay interest on purchases I just pay in cash. My partner is in about 20,000 pounds of debt due to credit cards and store cards this happened before he met me.
2006-06-27 04:32:13 · answer #8 · answered by Mrs B 3 · 0⤊ 0⤋
dont own a debit or credit card got no loans or any thing on the never never cash only for me
2006-06-27 04:31:20 · answer #9 · answered by >darkangel< 3 · 1⤊ 0⤋
yes I did and yes I learned my lesson and positively made up two sites to warn others about all the ins and outs of it all!
http://credit-cards.ebookorama.com
and and http://finance.ebookorama.com
2006-07-03 07:52:25 · answer #10 · answered by Anonymous · 0⤊ 0⤋