People get in such messes by misusing credit cards. I try to keep my balances paid off but still worry about having credit cards.
2007-12-12 14:57:15 · 18 answers · asked by Miz D 6 in Society & Culture ➔ Cultures & Groups ➔ Senior Citizens
I use them for on-line purchases only. When it's asked if I want the number remembered for future purchases, I always check the no block. I pay the balance each month. And I never carry my cards with me.
2007-12-12 15:06:32 · answer #1 · answered by Anonymous · 4⤊ 0⤋
No moving money to your Capital One card won't help you just yet. You just need to pay as much as you possibly can towards your Bank of America card every month and do not use it at all. Clip coupons, downgrade your cable or cell phone package, eat mac and cheese a couple nights a week. You'll be surprised how much extra money you will have to put towards your credit card bill. That's the best way to pay it down. About the Avon account. It's time to talk to your mom. Tell her you need her to pay that off NOW it hurting your credit especially if they are calling you b/c she is late paying. You can also call Avon and see if you can be taken off the account you may need your mom's permission to do this but if you can you should and soon.
2016-04-09 00:00:21 · answer #2 · answered by ? 4 · 0⤊ 0⤋
I use a credit card for every spend I do, but I settle at the end of each month. It´s just another way for me to manage my finances better. Leaving a balance makes the items you bought more expensive in real terms. Why shop around for bargains and then pay interest on your credit card. It just doesn´t make sense.
Credit cards are like anything in life, you have to be responsible.
2007-12-12 23:06:53 · answer #3 · answered by soñador 7 · 2⤊ 0⤋
The only one that I have is the debit card through my bank. I will never ever own another credit card again. I cut the ones up that I had a long long time ago.
2007-12-12 15:35:29 · answer #4 · answered by SapphireB 6 · 3⤊ 0⤋
I have 2 because I have the need to rent cars (one only for that) and the other is stored for an emergency. Paying them off in totality if/when you get the bill is the only way to have them and keep sane.
2007-12-12 17:35:46 · answer #5 · answered by Grace 5 · 2⤊ 0⤋
I got rid of six credit cards several years ago and kept just one for emergencies and to rent a car if needed. It's to easy to buy anything and everything just because you "want" it.
2007-12-12 16:35:00 · answer #6 · answered by curious connie 7 · 2⤊ 0⤋
went over limit one year on Christmas and took 3 years to pay it off. late charges, interest, over limit, etc etc then interest went from 8% to 21%. last year used a credit card 1999
2007-12-12 15:21:13 · answer #7 · answered by ahsoasho2u2 7 · 4⤊ 0⤋
Rarely ever use credit cards. Use my debit cards. I haven't seen or touched the green stuff for so long I wouldn't recognize it.
2007-12-12 15:01:51 · answer #8 · answered by Eve 5 · 3⤊ 0⤋
Two but I never get them higher then I can pay off at the end Of the month.
2007-12-12 15:08:54 · answer #9 · answered by abuelamah 6 · 2⤊ 0⤋
Yes, but I do not "misuse" them. If you treat them like real cash money - you will not have any problems. Do not spend more than you have in the savings account! CJ
2007-12-12 15:10:48 · answer #10 · answered by CJ 6 · 2⤊ 0⤋