how many credit cards do u have?
By babyorchid
@babyorchid (1737)
China
October 6, 2008 6:22am CST
hey.guys.how many credit cards do u have?one?two? even more?
what's ur initial goal of using credit card? only for overdraft? there must be some good way to make money from credit cards as well as accumulated your credit points.
do u always repay ur debts in time or just leave it?
i, myself have two credit cards.one is for shopping ,the other is for repay. just make the best use of interest-free period .someone mentioned that we can buy stock by overdraft. is this a good way to earn money by credit card?
5 responses
@babyorchid (1737)
• China
6 Oct 08
OMG, five or six? i am wondering how could u keep urself away from comfused by the debts tables?
does each of them has sepcial use?
@mojcica (1511)
• Slovenia
6 Oct 08
Yes I do use them for different things...I could use just one but I so got use to have different. I use one for gas, two for general shopping, one is emergancy, one I use for online shopping. I think thats it. I dont count my atm cards. I really should cut down on my cards hehe
@babyorchid (1737)
• China
7 Oct 08
wow. u r really so cool.definitely a wise shopper. i do think u can manage ur money so well. bcz u know how to make their function best
@klaudine (3650)
• Indonesia
6 Oct 08
I don't have any. LOL. My friends were surprised with the reality that I do not carry any credit cards, because nowadays it is some kind of a must have item. I don't really think so since it was really hard to maintain the budgeting if you still have a credit card. You tend to debt and debt and...
Well, to be honest I had a credit card once. I know it was fun to have one. Some privileges, discount for some products, but it was a marketing trap. And I just fall to the perfect trap until one month I found my billing statement and found out that it was over limit. I started the debt diet, and use all of my saving to pay the debt. It was painful experience but I learned something from it.
Now I closed all the credit card account I had. I don't need it. I have a debit card. I have a bank account and I think it is enough. I live without debt, and I don't have to pay the interest and fee for the credit card. It is so much better now.
@klaudine (3650)
• Indonesia
6 Oct 08
LOL, you might be right. I realized that having credit card would make something easier too. Like the privileges for some credit cards, also the ability to verify paypal with the credit card. But so far, I can do that without the credit card. I don't need it until now, and I believe my debit card is still more useful. Even we're not going to be fall into the big debt, I still think that paying interests and fee is something that would be burdening me especially when I know I didn't need to do that if I don't have a credit card.
But if you can manage it well, be my guest. I know my limit LOL.
@babyorchid (1737)
• China
6 Oct 08
maybe u are right.but i do think if we wanna use credit cards well, and not get ourselves into the troubles of debts. we should realize shopping with control.it is more easy to drive us shopping without money. as well as we can realize the benefits of credit card then we will enjoy the debts(*^_^*)thank you for ur reply
@winzpc (2354)
• Indonesia
6 Oct 08
I don't have any credit cards. I afraid that I will use overlimit and can't pay it. So I prefer to use debet card or paying with cash. But my friend told me that in urgent time that we need a lot of money, the credit card will very useful. So I think to have it one day.
Keep post
happy myLotting...
@sassybf (29)
• United States
6 Oct 08
I have 4 credit cards, but two of them are for specific stores I shop at a lot. One is for everyday use, and I have one I never use, for emergencies.
For the store cards I pay it off every month because the interest rate is higher, but I carry a small balance on my everyday card (around $100) because that's supposed to be good for your credit.
