Personally, I'm only at about $3,000. But I pay it down to $0 pretty much everymonth.
How much credit card debt do you carry right now?
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Credit Card 3,000 I only have one credit card
but total consumer debt I got 20,000
I am in the trap of the buy now pay later.Comment
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I charge and then pay off. Simple. Supposedly good for the credit, too.Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted
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I have a few cards but I always pay them off every month or if it's anything big I pay it in 2 or 3 months max. Right now I have like $200 maybe $300 on one card because I just paid a bill with the CC rather than my debit card, due to the fact I had to cancel my debit card because of fraud.Last edited by crockett; 07-07-2007, 06:48 PM.In November, you can vote for America's next president or its first dictator.Comment
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I have a negative balance on one card because of a refund for plan tickets I purchased and paid for. I have a couple of store cards that are used specifically for discounts on certain sales and for certificates back as a percentage of purchases but those get paid of each month. House is paid for in full as of 2001 (did that in 4 years), pay cash for vehicles. Have a home equity line of credit set up in case I ever need it since I don't have an active homeloan to keep my credit history rolling.
Other than that.. I live by cash and my Visa debit card. It I can't pay for it, I don't need it.
PKComment
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NONE. And I plan to keep it that way. I only use debt, if at all, when it comes to business expansion/working capital.Comment
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Damn... Mind telling us who your credit card company is?
If you are paying $180 a month on a 200 Dollar debt then I'd say that you need to pop downstairs and ask momma for a loan. Surely HER terms would be better than this, right?
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I only spend on my cards online for content, domain and PayPal (for other stuff) , and to accumulate points......and I pay the whole thing at the end of the month!
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