Would I be better off just cutting my credit cards
5 Oct 06
I think credit cards come in useful if you travel often and also for emergencies.. my general rule is i will only use it when i know i have money to pay it off.. Once i buy an item on my credit, i will keep the money aside so that when my bill comes, i can just pay it off =)
• Rothesay, New Brunswick
17 Oct 06
credit cards are very tricky and trappy things... only use them in a emergancy, when you need something and have no cash, or nothing in your bank account...otherwise you could find your self in big trouble. What people don't realize is even if you use your card for a 10 dollar pack of cigerettes. Then you are paying interest on that for a year. So in the long run you could be paying 30-50 dollars for that pack of smokes...Thats how you get in debt with credit cards. You think the price of the object is the same as if you were paying cash...its not because your borrowing money to pay for it you pay back at least triple the ammount.
17 Oct 06
U can open a Free Paypal account ...! but cannot transfer or withdraw the money ...! Bco u dont have a credit card ...! maybe i can help u all, i know a company which sells credit cards which can be used by any name ( it has no name on it ) u have to pay a small fee, and u also get a preloded amount on it, for more details mail me ( this service has been used by 100 + people till now )
• United States
6 Oct 06
I put a stop on mine (when I had them) so I couldn't use them, but didn't cancel, or cut them up, until I paid them way down, so I didn't have to worry about it-ended up paying them off, and not using them again, cause I got so used to not having one. Best decision, cause now i don't have to worry about another bill each month :) I just pay for things wtih cash, and use the savings account to save money for htings I want.