Do own a credit card?

Philippines
June 29, 2007 11:44am CST
Do you own a credit card? How many cards do you have? Me I have twelve, and still applying for another one. I don't know, maybe its my obsession, and right now my total debt is amounting to almost half a million in our currency. I can't imagine how it accumulated, but never mind, I'll figure out how to manage all the bills... maybe!
2 people like this
3 responses
@smileonstar (4012)
• United States
29 Jun 07
oh my god,!!! How do you end up like that?wow!!! Do you live in the US?If you do, then I suggest you to contact this company call " Credit card debt". They will help you solve those debt and you will not end up paying them a lot either. I have 3 credit cards, every time I use them I feel that I have to pay them back as soon as I have money... so I dont have to worry how much I owe them... You should think about it and get rid of those credit cards and control your spending
2 people like this
• Philippines
29 Jun 07
I'm from the Philippines, I'm trying really hard not to spend anymore but I guess I don't have the self-discipline. Maybe I'll try a little harder, and I guess I should get that last card no more, right? By the way, thanks for the comment.
1 person likes this
• United States
29 Jun 07
I understand that, you are hard to control your spending now. but try... can you list all the thinds that you have to spend?then cut off some of those... let say you have to pay for food, place to stay, phone bill and stuff that you are really need in everyday living. Then if your job now is not paying enough, you have to look for another one that could support you. We are here to help you out of this debt. you can't spend to make your friends proud of you... never do that, and that is not cool. But if you have money and you spend then it different. Like me, I have to pay a lot of bills that I have but I have to control my spending and then I dont end up with owing people at all. It might be hard the first time you do it, however it will make your feel better later on. Try not to carry your credit card with you. Keep those away and where you can't find them. So when you need to use them, they will not be there and you will pass those spending ... I hope you can do that. Im not sure how your life style is but be cool by spending money is not cool like you have money in your pocket.
2 people like this
@psyche49f (2504)
• Philippines
30 Jun 07
Yes, and no....this is because I have 2 credit cards which I received a month ago. I haven't activated any one of them because I am allergic to credit cards. True, I applied in order to own one, but when I got them, I simply realized that I should use them only in emergency cases. So I just kept them well hidden inside my closet to be retrieved only with the right time. Imagine if I use it for things I don't really need? I am scared with stories of how other people have been indebted up to high heavens because of the many hidden charges that go with them. So the next time the credit card representative gave me I call, I politely informed her that I'd just activate my cards when I need them, such as during emergency cases. Unless that happens, my two cards will be forever kept in my closet, forgotten, useless and most of all....feared. He, he, he. Really, I am afraid of credit cards, that's why....
• Philippines
30 Jun 07
Yeah that's really a great idea! In case of emergency you can still activate your credit card, and unless you really really badly needed it you don't have to use it and you won't be charged with it's annual membership fee! Thanks for that thought!
1 person likes this
@Inky261 (2524)
• Germany
30 Jun 07
No, I do not have a credit card and I do not want one. I just bought a new refrigerator and I paid for it in cash. I just spend what I earn. What I have not earned I do not deserve. Debts mean no future! I think you should get counseling. You are screaming for help.
• Philippines
30 Jun 07
Thanks for dropping by!