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How much credit card debt do you guys have right now?
- Thread starter Estellex
- Start date
lil puff
Member
It wasn't easy, but after my debt went to collections I put everything aside, dug in and paid all of it off.
It feels so good to not see those bills anymore.
Now I can focus on my 20th year playing student loans. yay
Seriously anyone paying for 20 years, the rest of that shit should be forgiven.
It feels so good to not see those bills anymore.
Now I can focus on my 20th year playing student loans. yay
Seriously anyone paying for 20 years, the rest of that shit should be forgiven.
quickwhips
Member
I have 4k each month but i pay it off each month.
Vicetrailia
Banned
Down to 1500. Next bonus it'll be gone.
KillCleanEat
Member
Just learned what usury means. Maybe I shouldn't have a credit card.
Dice
Pokémon Parentage Conspiracy Theorist
Having a credit card makes you a victim of usury. By electing to empower your own oppressor, you do enable them in some manner, but being their victim you are not culpable for their evil. That doesn't mean it will necessarily work out to your true good, however.Just learned what usury means. Maybe I shouldn't have a credit card.
MetalAlien
Banned
0 as of today...
Fushitsusha
Banned
Zero debts, ever. Feel I have more money than I could even find enough stuff to spend it on. What the fuck is there to buy after a while?
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Chairman Tickles
Banned
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BusierDonkey
Member
I do the majority of my purchasing with my CC, I pay it off on my phone before the end of the week so I never get dinged. If I can't afford to buy something with cash, I can't afford it. My car, my hobbies, everything is paid for and I save for the things I'll need in the future.
Paid in full every month.
Have a general use card that gives 2% cash back. Charge all my bills to it, etc, basically use it for everything I can.
Amazon Visa - 3% off amazon purchases
Have an old PenFed Visa that still gives me 5% cashback on gas purchases so I use it for gas.
Also have a MasterCard that has no foreign transaction fee so I use it when travelling abroad.
Have a general use card that gives 2% cash back. Charge all my bills to it, etc, basically use it for everything I can.
Amazon Visa - 3% off amazon purchases
Have an old PenFed Visa that still gives me 5% cashback on gas purchases so I use it for gas.
Also have a MasterCard that has no foreign transaction fee so I use it when travelling abroad.
Brian Fellows
Pete Carroll Owns Me
None. I pay my bill off in full every month.
My current car has been paid off for 5 years but I’m looking to get a new (used) vehicle next month.
My current car has been paid off for 5 years but I’m looking to get a new (used) vehicle next month.
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BluRayHiDef
Banned
$211.92 on one card, on which there's a pending payment for the entire balance. And $869 on another one that I'll pay off by next month. I use my credit cards so that I can save money while still being able to spend money; I could pay everything off now, but I don't want to dig into my savings.
HoodWinked
Member
New member necroing old thread good stuff right there
BluRayHiDef
Banned
What were you buying with your card(s)?
BadBurger
Many “Whelps”! Handle It!
It was before I landed a good job, so like everything, and paying as much as I could spare. It was probably during my first year and a half out of college. After that I started earning a good wage so it stopped being a problem. I started paying mostly from my debit card and bills direct from my bank account while paying down the credit debt.
Kagey K
Banned
Same. Except my house is also paid, so utilities, some taxes and no debt.
Stilton Disco
Member
Zero. Never had one, and have no intention of getting one.
Lupingosei
Banned
None, also no debt, everything is paid and money aside for my retirement in 23 years.
ValiantTraveler
Member
None, and I hope it'll stay that way.
Spaceman292
Banned
Zero lol but they'll have to pry those student loan repayments out of my cold, dead hands.
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Bitmap Frogs
Mr. Community
I use euro-style credit card, which means I don't "put" things there, I'm billed the 25th of each month for everything I've spent at 0% interest. Right' now there's 434€ from the past 10 days.
Truthfully, I could cancel my credit cards and switch to debit but debit cards are not accepted everywhere so...
Truthfully, I could cancel my credit cards and switch to debit but debit cards are not accepted everywhere so...
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#Phonepunk#
Banned
Zero debt baby. Neither a borrower nor a lender be.
my parents taught me right. don’t buy more than you can afford. I didn’t even own a credit card until my late 30s I pay cash and debit on everything.
ironically this has caused me some problems cos the big companies WANT us to take on debt. for instance when trying to sign up for Obamacare they would not accept me because I “didn’t have a credit history” and told me to get a credit card LOL
my parents taught me right. don’t buy more than you can afford. I didn’t even own a credit card until my late 30s I pay cash and debit on everything.
ironically this has caused me some problems cos the big companies WANT us to take on debt. for instance when trying to sign up for Obamacare they would not accept me because I “didn’t have a credit history” and told me to get a credit card LOL
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diffusionx
Gold Member
I have a four thousand or so ON my credit card but I plan to pay it off in the next 1-2 months, without accruing interest. Life events and all.
Paid off $50k of student debt after... six years maybe and the only debt I have had since was mortgage.
Paid off $50k of student debt after... six years maybe and the only debt I have had since was mortgage.
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GeorgPrime
Banned
Only 60 Euro for backing Eiyuden Chronicles on Kickstarter.
I only need my Credit Card for small stuff or in emergencies when iam traveling to foreign countries
I still pay back like 18.000 Euro for my study loan, cant imagine having a high sum of additional debt on my credit card lol
I only need my Credit Card for small stuff or in emergencies when iam traveling to foreign countries
I still pay back like 18.000 Euro for my study loan, cant imagine having a high sum of additional debt on my credit card lol
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V2Tommy
Member
You get rewards and cash back for using them. You're actually losing money by not using one, so...
highrider
Banned
I suppose if you were making a lot of cash purchases. I live a much more streamlined life style. And naturally they want you to use them as much as possible, otherwise they have no value at all.
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diffusionx
Gold Member
Not everyone wants to live their life like they’re min-maxing a MMORPG.
MaestroMike
Gold Member
$754.69. Might pay it all off this friday or in three weeks. Use it for mainly groceries/gas/subway fare and to get cash back. Might get one more and switch off between them every other month. Then cancel in a year and sign up again in a year. Gotta keep them competing with each other and vying for our business. An extra $100 or $200 bucks a year from fixed costs is alright with me. Just need to have discipline. But I do like living in debt-free mode for some periods of time knowing I don't owe anybody anything even if it's a little amount that I can pay off easily which can be good for one's mental health. Paying off student loans left some nice scars.
MaestroMike
Gold Member
Why do they make it mandatory ?
scoobidoo112
Member
None. Just a mortgage.
#Phonepunk#
Banned
Debt is kind of mandatory because that is how the rich make money. I always used to think credit was based on your bills, if you pay utilities on time, etc But after years of paying bills I was surprised to discover I had no credit history at all.
highrider
Banned
The funny thing is you can, or could make a pretty salient argument for using one as a means to gain, even in a small way financially. With me it’s more just age and knowing myself well enough to know I prefer really simple structure in my life. And I’m a hermit other than spending time with my son and family. I’m completely consumed by my professional life stacking chips. Maybe when I retire.
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