11.03.09 | Credit Card Debt Solution
Credit card debt is at an all time high with millions of Americans drowning in that deep sea of plastic. Wouldn’t it be nice if you could just mold your credit cards into a frisbee and toss your troubles away? That sounds like heaven to me. Unfortunately, however, life is not that easy. Our actions hold consequences, but there are options for those out there who are struggling to stay above water with their credit card payments. Let’s outline a game plan to help get you out of that plastic sea and back on shore.
For those with solid credit: If you have good credit but are burdened with huge monthly payments than you may want to apply for a Discover More Card. You can transfer over your balance from cards with high interest rates. There is a 0% APR for up to 12 months on balance transfers, then a low 11% APR thereafter.
When getting a new credit card is not an option: If transferring the balance on some or all of your credit cards is not a possibility because of your credit, but you have a lot of credit card debt, you should apply for credit card consolidation. In some cases you can stretch out your payments for 72 months making your monthly payment more manageable.
Consolidating more than just credit cards: If you have other unsecured debt besides credit cards, (car loans, home loan, etc), and want to consolidate all of it, you should use a debt consultation service. This is for individuals who have a minimum of $10,000 of debt.
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helpful
December 18th, 2009 | #
thats cool
December 18th, 2009 | #
This is very helpful. Thank you.
December 18th, 2009 | #
Debt consolidation and interest reduction are the ways to go.
December 18th, 2009 | #
This is very useful information that will be looked at even farther. It will help in the near future.
December 18th, 2009 | #
I feel the best way to stay out of credit card debt is to not own one.
December 18th, 2009 | #
When my credit card company hiked up my interest rate, I called and had it lowered. Know that you have the right to negotiate if you have always been a good customer.
December 18th, 2009 | #
December 18th, 2009 | #
Stay on track, only use for what you can pay back monthly.
December 18th, 2009 | #
I think that credit information should be taught in school. It is so important that the young generation learn as much about credit and finance as possible.
December 18th, 2009 | #
It is very important to be extra careful when using/owning a credit card.
December 18th, 2009 | #
Useful
December 17th, 2009 | #
i surely will try to stay out of debt after this
December 17th, 2009 | #
Very insightful!
December 17th, 2009 | #
its not suprising our economy the way it is, our use of cc and overstrechinig ourself has been unstated standard of our goverment for several years.
December 17th, 2009 | #
wow thats very helpful because alot of people are in debt and if they would have read this it would have helped them alot.
December 17th, 2009 | #
this info was helpful for me and i hope for others
December 17th, 2009 | #
Yes, i believe that credit cards should be used more strictly.
December 17th, 2009 | #
I think scholarship is useful for college students because there is no need of living on student loans. Anyway the information here is useful.
December 17th, 2009 | #
credit cards are not for me because i know that they are bad for me.I watch my sister-in-law do really bad things with hers every two weeks that now she is so far in debit that she wont never get her house payed off because of it.
December 17th, 2009 | #
Credit Card debt is a major issue, but at least there is helpful information out there. Thanks for the help!
December 17th, 2009 | #
wow, that offered a lot of helpful insight. good thing i have a debit card:)
December 17th, 2009 | #
very useful to know. will use it in the future
December 17th, 2009 | #
interesting
December 17th, 2009 | #
#
December 17th, 2009 | #
Credit cards are to be used when there is no other way
December 17th, 2009 | #
credit cards are very important
December 17th, 2009 | #
I will never get a credit card!
December 17th, 2009 | #
This is a very useful bit of information
December 17th, 2009 | #
Wow, this information is extremely helpful! This is something that I can now be aware of and use in my everyday life. Wish they would make high school students a little more aware about this. It sure would of helped me back then!
December 17th, 2009 | #
very helpful
December 17th, 2009 | #
very good information!
December 17th, 2009 | #
Amazing! I found this article helpful, and it had valuable tips.
December 17th, 2009 | #
INTRESTING
December 17th, 2009 | #
this information was very useful. I will take it and apply it when the time comes.
December 16th, 2009 | #
didn’t know a lot about this. thanks
December 16th, 2009 | #
I have credit cards and I do not use them if I cannot pay them off in full.
December 16th, 2009 | #
uhm…useful
December 16th, 2009 | #
cool
December 16th, 2009 | #
Very depressing!!!
December 16th, 2009 | #
I found this to be helpful but it needs something to spice up the information.
December 16th, 2009 | #
useful article
December 16th, 2009 | #
very helpful
December 16th, 2009 | #
This is very usefull information… DO NOT GET A CREDIT CARD IF YOU CANT BE RESPONSIBLE!!
December 16th, 2009 | #
a useful article
December 16th, 2009 | #
Credit cards hurt many people in the country.. We have to wise up and learn when and when not to use them people!!!
December 16th, 2009 | #
credit cards should only be used if money is already set aside… We have to be smart about using them people, only in emergencies!
December 16th, 2009 | #
Credit Card debt is something that holds alot of people down, but there are solutions to pull your self out of debt by doing research to find programs that help you organize your life financially.
December 16th, 2009 | #
Doesn’t seem like such a great solution to credit card debt.
December 16th, 2009 | #
very good
December 16th, 2009 | #
THIS IS VERY USEFUL
December 15th, 2009 | #
useful
December 15th, 2009 | #
very interesting and useful
December 15th, 2009 | #
interesting!
December 15th, 2009 | #
nice informations
December 15th, 2009 | #
this is going to be useful for my aunt
December 15th, 2009 | #
I don’t have any credit card except my bank card and I only use it when it’s necessary. However, I need one though because sometime I need to get my glasses repair and I don’t have money. This information is helpful because it will be useful when I finally get one.
December 15th, 2009 | #
Very informative and I am thankful to have read it.
December 15th, 2009 | #
Credit card debit is a crisis and it’s just pulling people into a bigger hole, as millions of Americans continue to swipe their credit card daily. Why spend the money you don’t have? I am being taught by my parents that if you want to purchase an item really bad, your going to have to save up the money in order to purchase instead of using a credit card and getting yourself into debt.
December 15th, 2009 | #
I always have done my best to budget myself so that I don’t need to use my credit card. So far it’s worked out pretty well, just making sure that I don’t put anymore on it in a month then I make extra after rent and groceries are bought, I’m hoping to imporove my credit score in the near futrue so that I can get a low interest loan for a new car and since I’m not paying back student loans yet I don’t have a credit score.
December 15th, 2009 | #
Credit card debt is easily avoidable, use cash.
December 15th, 2009 | #
Easiest way to avoid credit card debt is to use cash only!
December 15th, 2009 | #
very useful
December 15th, 2009 | #
Never liked credit cards!!
December 15th, 2009 | #
This article has a lot of helpful tips… I don’t want to live beyond my means because I’ll be paying for it for the rest of my life.
December 15th, 2009 | #
This is some very helpful information for people need to know about
December 15th, 2009 | #
Very Cool
December 15th, 2009 | #
this info has made me think about what i have done.
December 15th, 2009 | #
This information is helpful, and uselful.
December 15th, 2009 | #
It is great to know that now people are starting to take their credit much more seriously. I know when I was in High-school we did not learn about credit and how to be resposible and I had to learn the hard way to control debt.
December 15th, 2009 | #
very informative
December 15th, 2009 | #
yea
December 15th, 2009 | #
people should not be able to have credit cards if they are not finantial responsible. Credit cards should have more restrictions.
December 14th, 2009 | #
I was very helpful and taught me alot on credit cards
December 14th, 2009 | #
I know credit cards are bad things, they only bring you to debts.
December 14th, 2009 | #
In my personal opinion I think that credit cards are a waste of time. I mean its a good way to get you bankrupted. to me but I honestly i feel that credit cards should be illegal to some.
December 14th, 2009 | #
very helpful
December 14th, 2009 | #
i never knew this about credit cards
December 14th, 2009 | #
I don’t have any credit cards but this was very useful.
December 14th, 2009 | #
Useful
December 14th, 2009 | #
This information was very helpful and I intend to use it. Thank you
December 14th, 2009 | #
Credit debt is a huge problem in the country right now, and with the economy in debt
December 14th, 2009 | #
no credit cards for me!
December 14th, 2009 | #
I think credit cards should never be used.
December 14th, 2009 | #
credit cards aer like loans. a trap waiting to snear you! the best thing to do is avoid both at all costs.
December 14th, 2009 | #
this is very helpful, i can’t wait to get started on my fafsa so I don’t have to look towards credit cards
December 14th, 2009 | #
that is some useful info
December 14th, 2009 | #
Be wary of any credit card you sign on for, including the one listed above. There is still no legislation (that I know of) stopping card companies from sending your interest rates through the roof on a whim. Credit cards are a bad way to go to pay expenses, if you ask me.
December 13th, 2009 | #
Wasn’t bad
December 13th, 2009 | #
thankyou i could use this information
December 13th, 2009 | #
Its almost better to save up cash instead of using a credit card all the time, that way you’re not tempted to spend more than you have.
December 13th, 2009 | #
This was useful. I do not play on using a credit card. Only debit.
December 13th, 2009 | #
Very interesting. I do not plan on having a credit card. Only debt.
December 13th, 2009 | #
this was definitely a help to me
December 13th, 2009 | #
nice work
December 13th, 2009 | #
this is so true. Tell me about my parents are in huge debt
December 11th, 2009 | #
very helpful
December 11th, 2009 | #
This is a great article, very insightful.
December 11th, 2009 | #
This information is great for college students everywhere and will definitely be used in my daily activities.
December 11th, 2009 | #
the information was very helpful, i learned a lot of things that i never knew
December 11th, 2009 | #
I HAVE BEEN LOOKING INTO GETTING A CREDIT CARD BUT WITH THIS GOOD INFORMATION IT HELPS ME UNDERSTAND EVERYTHING ABOUT THEM. THIS INFORMATION IS REALLY HELPFUL.
December 11th, 2009 | #
i think there are other ways to build credit
December 11th, 2009 | #
thats why debit is better because its your own money
December 11th, 2009 | #
I think that this article was very informative and I do not plan on getting a credit card anytime soon!!
December 11th, 2009 | #
very interesting article.
December 11th, 2009 | #
Good to know. I just started using my credit card.
December 10th, 2009 | #
Credit cards are very useful in some cases, but it is better to spend money in things yor need rather than in unnecessary things.
December 10th, 2009 | #
this is really useful
December 10th, 2009 | #
i think it is a big problem in the us
December 10th, 2009 | #
very interesting!
December 10th, 2009 | #
dont get a card if you cant be responsible with it, its as simple as that
December 10th, 2009 | #
this information is great i will definetly use it on a daily
December 10th, 2009 | #
Everyone should wait to get a credit card until they are about 25 or so.
December 10th, 2009 | #
Information was great for college students and especially in this economy! Thanks so much!
December 10th, 2009 | #
Pay off your credit cards as soon as you get the bill. Use credit cards only for things like gas and gym payments which require a credit card for monthly charges.
December 10th, 2009 | #
this is very useful
December 10th, 2009 | #
credit cards can so easily get you into trouble don’t get one unless you know you can afford it financially
December 10th, 2009 | #
very informative, with good points to remember.
December 10th, 2009 | #
I loved this article. It helped alot
December 10th, 2009 | #
I concur.
December 10th, 2009 | #
Credit Cards are bad
December 10th, 2009 | #
You have to be very watchful over interest rates and the amount you charge
December 10th, 2009 | #
useful stuff
December 10th, 2009 | #
this really helped. thanks.
December 10th, 2009 | #
Love it, very useful. Thanks.
December 10th, 2009 | #
You have to be wise with credit cards. college students only need one credit card an american express and pay a little more than the credit card provider asks for and only use it for emergency to make sure you creating credit only buy little things every now and then to pay it off like gum
December 10th, 2009 | #
I never knew this about credit cards, this was very helpful.
December 10th, 2009 | #
It’s not necessarily avoidable.
December 10th, 2009 | #
Very informational
December 10th, 2009 | #
that is very intersesting
December 10th, 2009 | #
This is very interesting and helpful imformation.
December 10th, 2009 | #
it’s really helpful information.
December 9th, 2009 | #
it’s very intersing
December 9th, 2009 | #
it’s very intersing and helpful
December 9th, 2009 | #
Credit debt after college is a huge problem to many graduates. This article can teach post graduate students how to consolidate their debt.
December 9th, 2009 | #
this is a very good way of solving credit card problems!!!!! very helpful
December 9th, 2009 | #
VERY HELPFUL……IT TELLS YOU EVERYTHING THAT YOU NEED TO KNOW ABOUT CREDIT CARDS….:)
December 9th, 2009 | #
This information will be very useful whenever i do get a credit card and begin to really build my credit.
December 9th, 2009 | #
People need to stop spending what they don’t have.
December 9th, 2009 | #
This is very useful and will help me in the long run.
December 9th, 2009 | #
This is very helpful advice. Most people in debt could use atleast one of these options to help resolve their debt issues.
December 9th, 2009 | #
Helpful information
December 9th, 2009 | #
Helpful information.
December 9th, 2009 | #
These comments are very useful to me and my father who has been in debt for a very long time
December 9th, 2009 | #
I will probably never get a credit card. Thank you
December 9th, 2009 | #
[...] those of you who have already accrued credit card debt you may want to read, “Credit Card Debt Solution,” but for the rest of you who have not yet traveled down that credit road you hold your [...]
December 9th, 2009 | #
This is very interesting! I’ll have to tell my friends about it.
December 9th, 2009 | #
Is it okay to have an irrational fear of credit cards? lol.
December 9th, 2009 | #
This info is useful.
December 9th, 2009 | #
This information was helpful.
December 9th, 2009 | #
Wow…I wouldn’t have thought of it that way.
December 9th, 2009 | #
This helps alot!!!
December 9th, 2009 | #
I believe this is a good resource for college students who do not have an idea of what to do to earn money!
December 9th, 2009 | #
This is very helpful do to the amount of people today who use credit cards and that are in debt.
December 9th, 2009 | #
good info
December 9th, 2009 | #
Sound advice
December 9th, 2009 | #
The information above is very useful, although I do not have a credit card yet it is a good reading towards how responsible I will be with it in the future.
December 9th, 2009 | #
well…
December 9th, 2009 | #
Good to know about debt and and how to avoid and get out of it.
December 9th, 2009 | #
This was some very good information. There are a lot of college students out there that can utilize this type of information.
December 9th, 2009 | #
this is very helpful
December 9th, 2009 | #
Sound advice many seem to ignore.
December 9th, 2009 | #
good information,something to think about
December 9th, 2009 | #
good advice, something to think about
December 9th, 2009 | #
this proves useful, although it is not that muh but still, the little bits of information will go a long way and open the door to solutios that would be otherwise difficult to deal with
December 9th, 2009 | #
i have one but i use it to build credit just by paying my braces with it than just paying off my credit card bil.
December 9th, 2009 | #
I only plan on getting a credit card for establishing credit! Theres no way I’m getting sucked in… This article was really helpful
December 9th, 2009 | #
this article was very helpful, specailly cuz i have two credit cards i can’t ever seem to get caught up on.
December 8th, 2009 | #
This was very helpful, and I believe I will be a little smarter in college because of this.
December 8th, 2009 | #
very interesting
December 8th, 2009 | #
Hmmm
December 8th, 2009 | #
This is a great article.
December 8th, 2009 | #
It is pretty helpful. thank you so much
December 8th, 2009 | #
This information is extremely helpful
December 8th, 2009 | #
Just dont get a credit card…you wont get in debt
December 8th, 2009 | #
Just dont get a credit card
December 8th, 2009 | #
i hope credit changes
December 8th, 2009 | #
This was helpful! Thanks!
December 8th, 2009 | #
this article has helpful tips. i was thinking about getting a credit card but i guess i will have to be very cautious not to fall into debt
December 8th, 2009 | #
It’s always nice to find information about things like this. No one wants to be stuck in debt
December 8th, 2009 | #
Thanks for the helpful info!
December 8th, 2009 | #
usefull
December 8th, 2009 | #
that’s very true.
December 8th, 2009 | #
Very good info. I strive to remain debt-free.
December 8th, 2009 | #
Credit card debt is a huge problem. These tips are useful.
December 8th, 2009 | #
The credit card information was very informative, i will use the tips that i have received in my credit card making decisions.
December 8th, 2009 | #
It’s best not to spend money that you haven’t got…
December 8th, 2009 | #
I don’t have a credit card now but this information will be helpful if I get one in the future.
December 8th, 2009 | #
This article was really helpful on knowing more about credit cards.
December 8th, 2009 | #
Credit Cards are completely unecessary. They’re a set up for debt.
December 8th, 2009 | #
This was very helpful and will be useful info in the future.
December 7th, 2009 | #
I found this very useful. More people should be aware of the cautions to take when uing a credit card.
December 7th, 2009 | #
There was very good info in this article. I have been wanting to get a credit card for awhile to help build my credit and this article gave me helpful info to do that.
December 7th, 2009 | #
wow this is crazy no credit cards for me!
December 7th, 2009 | #
thanks!!!big help
December 7th, 2009 | #
This article was packed with a ton if helpful information about credit cards, their uses, and how to caution yourself when using them.
December 7th, 2009 | #
This was very useful
December 7th, 2009 | #
I am never going to apply for a credit card. My dad is buried in a mountain of credit card debt. NO CREDIT CARDS FOR ME.
December 7th, 2009 | #
I’m glad I read this…..I really needed it
December 7th, 2009 | #
Great information; very helpful. Debt is a big issue for college students
December 7th, 2009 | #
It is a shame that most people can be so irrisponsible!
December 7th, 2009 | #
Information people really need to pay attention to, especially if they are considering getting a credit card.
December 7th, 2009 | #
I GUESS CREDIT CARDS WOULD BE A GREAT WAY TO ESTABLISH CREDIT, BUT IT CAN GET OUT OF HANDS SO EASILY
December 7th, 2009 | #
i know credit cards are a easy way to establish credit, but it’s so easy for it to get out of hand
December 7th, 2009 | #
woah
December 7th, 2009 | #
dude i can dig
December 7th, 2009 | #
Dont get but ne for an emergemcy.
December 6th, 2009 | #
im going to use this tips
December 6th, 2009 | #
Great article! im loving it
December 6th, 2009 | #
this information was very useful
December 6th, 2009 | #
interesting
December 6th, 2009 | #
I love the website. Information given in such nature i thought only came from Mom & Dad
December 6th, 2009 | #
I think reading about this information was very helpful, and I will be able to use this knowledge now if I ever have a problem.
December 6th, 2009 | #
People should spend their money more wisely and investigate further before signing up for a credit card.
December 6th, 2009 | #
Great information time for me to go put it to use.
December 6th, 2009 | #
It is very sad to me how much debt people get in over credit cards.
December 6th, 2009 | #
Well, it makes sense.
December 6th, 2009 | #
This information helps out alot.
December 5th, 2009 | #
This article will be very helpful when I start to use credit cards
December 5th, 2009 | #
Very useful info.
December 5th, 2009 | #
This article was very informative. I’ve never had a credit card and don’t intend on getting one any time soon!!
December 5th, 2009 | #
This particular point of time, credit cards have been very useful but credit cards are most likely to make credits not to save money. I think we should use debit card more often than credit card!!!!!
December 5th, 2009 | #
this might be useful.
December 5th, 2009 | #
good info.
December 5th, 2009 | #
hmmm cool beans
December 5th, 2009 | #
This suff is eye opening.
December 5th, 2009 | #
Useful article.
December 5th, 2009 | #
Useful article. Credit cards are a really costly way to purchase WANTS!
December 5th, 2009 | #
the information helped me to avoid credit cards
December 5th, 2009 | #
This is very helpful!
December 5th, 2009 | #
Very informative and vital information!
December 5th, 2009 | #
This is very important information. credit card debit is a huge problem in our society, and its up to the youth to fix it.
December 5th, 2009 | #
Everyone needs to learn what credit can and can not do for them.
December 5th, 2009 | #
I wish this information had been made available to me when I was graduating high school and starting college. Every credit card company imaginable wants to extend credit to kids that are in school full time, no job, and no clue about what they are getting into.
December 5th, 2009 | #
I wish they had sent this information out to me back when I was graduating high school and beginning college. Every credit card company imaginable was wanting to extend credit to kids with no jobs, full time college students, and that were utterly clueless about the ‘real world’.
December 5th, 2009 | #
true
December 5th, 2009 | #
I would rather buy something only if I have the money in the bank at that moment! I would only use credit if I absolutely need it for something very important right away!
December 5th, 2009 | #
You have to be soo careful anf now more than ever credit is so so important you cn’t get any where if you don’t have a good credit score. I am glad that I have a chance to fix my credit an so thankful I got a second cahnce, an you can’t not co sign for everyone cause it affect you credit when they don’t pay
December 4th, 2009 | #
true
December 4th, 2009 | #
This is so true!
December 4th, 2009 | #
After watching my parents pay off credit cards on time each month I’ll think I will do the same thing.
December 4th, 2009 | #
Found some useful info. But, the sure fire way to not have any debt don’t have a credit card. Cause if your a impulse buyer like me you could get into some really trouble.
December 4th, 2009 | #
Debt, oh how I hate it.
December 4th, 2009 | #
This is very useful information.
December 4th, 2009 | #
I haven’t had a credit card in years. I use the envelope system, which works WONDERS. It seems too easy to swipe a card, when spending cash, it is harder for me to do.
December 4th, 2009 | #
Life is so complicating.
December 4th, 2009 | #
very useful. i just listened to suze orman and she suggests getting credit cards to increase FICO scores. you must pay off your balances of course. do not accrue interest and you’ll be fine. but i understand… i haven’t had a cc in over 10 years and have survived just fine without it. the downfall is not being able to get loans (except for school)
December 4th, 2009 | #
I will use this information to my advantage
December 4th, 2009 | #
credit card debt i think has always been a problem. people just don’t know how to budget their money correcttly. i think that’s the reason we were/are in a recession right now. people just keep using plactic for everything instead of using the cash in their pocket.
December 4th, 2009 | #
i have never had a credit card and by reading on the things that the company can do i will never get a credit card.
December 4th, 2009 | #
Good information…I didn’t know this before.
December 4th, 2009 | #
Credit car debt is indeed at an all time high and we need to careful with our credit cards.this information is very useful and everyone needs to see it.
December 4th, 2009 | #
I think its a great Idea
December 4th, 2009 | #
I can really use all information provided to me.
December 4th, 2009 | #
Shameka, I do not a a credit card. I really don’t see the need for one right now. I am fine without it.
December 4th, 2009 | #
this is soooo useful thanks
December 4th, 2009 | #
the credit card problems are a problem that you choose to go into, nobody made you get one. we just have to be smarter about our decisions
December 4th, 2009 | #
This was informative
December 4th, 2009 | #
This is very helpful for young adults that are going away to college or ,oving out into the world on their own. I have so many cousins who have credit card debt adn regret it very much I’ve been tole by quite a few of them not to even get one because of the additional money that has to be paid due to intrest rates.I’ve also seen the first hand effects of having bad creit; not being able t get a loan or refinanced for a vehicle can be really upsetting.
December 4th, 2009 | #
I found this article very helpful in setting up ways to reduce and eliminate my debt on my credit cards. I had a 15 or so cards and now I am down to two cards. Today people are looking for ways to cut their debts. Before people were looking for ways to increase their credit lines to improve their spending powers. With today’s economy, we have to be very cautious when it comes to debt limits and spending powers.
December 4th, 2009 | #
I don’t take on any credit as of right now because i know i can’t afford it.
December 4th, 2009 | #
this article has given me more financial knowledge
December 3rd, 2009 | #
I have never had a credit card or a debt situation but thanks to this website Iknow how to help myself if I get into debt or have credit card issues.
December 3rd, 2009 | #
i do not have a credit card yet, but this is good info to know for when i do get one
December 3rd, 2009 | #
i do not have a credit card yet, but this is good information to know when i do get one.
December 3rd, 2009 | #
Great stuff…better just to go without credit cards though.
December 3rd, 2009 | #
Good information
December 3rd, 2009 | #
I haven’t had a credit card in years. I have done so much better without one and actually have more money to spend.
December 3rd, 2009 | #
This is very informative.
December 3rd, 2009 | #
kool
December 3rd, 2009 | #
Very interesting information
December 3rd, 2009 | #
true
December 3rd, 2009 | #
this type of information i think everyone should read. Everyone can learn something from it. I sure did.
December 3rd, 2009 | #
Wow, I had no idea.
December 3rd, 2009 | #
Thanks for this information. I’ll be sure to steer clear from credit cards!
December 3rd, 2009 | #
Good Info Thanx
December 3rd, 2009 | #
The problem with credit card debt is to be blamed on the customers and the credit card salesman They are both at equal fault. The customer has no discipline when it comes to their spending habits. Yet, all the credit card salesman cares about is handing out these credit ruining cards. They do not explain in detail the fixed rates or what happens when it comes to pay your bill. He just cares about making a customer into money. So please beware people out there looking for a new credit card. At all cost save your credit card for emergencies.
December 3rd, 2009 | #
Credit debt is an ongoing problem if you let it get out of control…you have to be careful with credit cards and their increasing interest rates
December 3rd, 2009 | #
This information helped me to learn how to stay out of debt
December 3rd, 2009 | #
people need to not use credit cards if they don’t have the money to pay for the things they want or if they don’t want to pay the huge bill each month
December 3rd, 2009 | #
pretty cool but honestly we can do away with credit cards in order to achieve no debt unless we want good credit and can maintain it.
December 3rd, 2009 | #
Very useful information.
December 3rd, 2009 | #
I so agree!! The information provided is very informative and totally worth reading.
December 3rd, 2009 | #
Yay for less debt!
December 3rd, 2009 | #
credit card debt is a very big issue now. and it is a very hard thing to come out of. this information was very useful
December 3rd, 2009 | #
im glad i read this
December 3rd, 2009 | #
And you wonder why America is trillions of dollars in debt. Unregulated and unplanned spending.
December 3rd, 2009 | #
America is in debt because of unplanned and unregulated spending habits. The national debt is comprised of 90% consumer spending. Guess what folks……credit cards is one of the main reasons of consumer spending.
December 3rd, 2009 | #
This info was definitely useful at this particularly hard economic time with school debt piling up. Great Article!
December 3rd, 2009 | #
I think that this type of information is very useful because people like us are very immature in things like credits but all college students need something of money to buy our things and this type of promotions bring to us more security in the form to choose we credit cards.
December 3rd, 2009 | #
I never knew this. I can tell my parents so that it could help them with their credit card problems.
December 3rd, 2009 | #
credit card debt is a horrible situation to be in, and of course i know this from personal experience. working your way out of it is definitely a lesson learned and a work in progress.
December 2nd, 2009 | #
Thanks for educating us. Great information.
December 2nd, 2009 | #
Info useful, Great…
December 2nd, 2009 | #
it is a great solution
December 2nd, 2009 | #
this info has helped boost my credit score
December 2nd, 2009 | #
help me please i need some money to get through school i’m going to a university next semester spring 2010 and it gets expensive
December 2nd, 2009 | #
I gained a lot from this article.
December 2nd, 2009 | #
tooo long
December 2nd, 2009 | #
thanks for the artile. it was very helpful because my father is in debt.
December 2nd, 2009 | #
The information provided was very useful but would have liked to hear more.
December 2nd, 2009 | #
I can’t believe how irresponsible some young people can be with money. I liked the advice here and I hope I can use it to stay debt free.
December 2nd, 2009 | #
This is very useful. Thanks for the information i feel like i will be able to use it in the future.
December 2nd, 2009 | #
This is useful information
December 2nd, 2009 | #
This was interesting thank you
December 2nd, 2009 | #
good info!
December 2nd, 2009 | #
If you can’t afford it, don’t buty it.
December 2nd, 2009 | #
I plan on just buying a few small things with my card and paying em off to build a good credit score
December 2nd, 2009 | #
I took a class on finances last year and we spoke a lot about credit cards. I’ve decided that I am going to try my hardest not to get a credit card. And if I do, I will only use it in emergencies.
December 2nd, 2009 | #
This information is very useful and has helped me greatly.
December 2nd, 2009 | #
life would be easier without credit cards
December 2nd, 2009 | #
If you don’t have the money to back up a credit card, don’t use it.Life would be easier without lastic.
December 2nd, 2009 | #
I will used this when I find it useful and encourage other to do so too.
December 2nd, 2009 | #
Wow. Good info.
December 2nd, 2009 | #
I loveds this website. It was very useful and helped me understand better that credit cards should be used only for emergencies, in order to avoid debt.
December 2nd, 2009 | #
Credit is just a nother way for some company to finacially capitalize on people. that is what is wrong with a capitalistic sosciety. It is ok to ruin peoples lives by getting them into debt as percentage rates keep them in debt, making the company as much money as posible at the expense of peoples quality of life, but some one will go to jail for smoking weed. it is just backwards to me.
December 2nd, 2009 | #
I plan on just buyig a few small things with my card and paying em off to build a good credit score
December 2nd, 2009 | #
help me get money so i can get a degree!
December 1st, 2009 | #
thanks for the informative article.
December 1st, 2009 | #
Credit card debt is harder to get out of today with the bad economy. Many cards are upping their monthly min payments even when credit is good and have always paid on time. This is an ongoing problem that needs to be addressed. We need more helpful articles on this on the net.
December 1st, 2009 | #
credit card debt can get out of hand becuase it has a large spending limit [if you have good credit that is] its important to keep track of how much you spend and if u have enough money to support that in the bank. This article was helpful thank you!
December 1st, 2009 | #
Credit debt is something that can be avoided if the appropriate precautions are taken. Be responsible.
December 1st, 2009 | #
this is really interesting! good information!
December 1st, 2009 | #
This is very good information to have.
December 1st, 2009 | #
wow, i like this credit card debt solution
December 1st, 2009 | #
I have seen people in credit card debt, and it doesn’t seem too fun. I’ll make sure not to do that.
December 1st, 2009 | #
I have two credit cards and have been trying to pay off their debt for months now. I’m very close to being completely paid off, and I’ve seen my credit score leap tremendously as a result.
Budgeting has a lot to do with saving your money and planning out your spending habits; I’ve found Mint.com is an easy-to-use and free option that works great!
December 1st, 2009 | #
Very usful information.Very helpful.
December 1st, 2009 | #
Being in debt sucks
December 1st, 2009 | #
If you spend more than you make you are in trouble!
December 1st, 2009 | #
Credit cards shouldn’t be used often.
December 1st, 2009 | #
I liked the discussion.
December 1st, 2009 | #
I enjoyed the discussions.
December 1st, 2009 | #
THIS WAS A VERY INTERESTING DISCUSSION.
December 1st, 2009 | #
I enjoyed the bit on credit card consolidation and spreading out the amount over a longer period onto one card. Many people use several cards thinking its a better way to go and can have more maximum lines of credits per card. However, what usually happens is the interest rates are sooooo highhhh… that they fall short. A few times of falling short..Hence, bad credit. It is a downward spiral from there. Thank Plantium Card for the information> Hopefully the people with hundreads of cards will use your theory on credit consolidation and lessen the burdeon of debt.
November 30th, 2009 | #
credit card debt is a horrible situation to be in, and of course i know this from personal experience. working your way out of it is definitely a lesson learner.
November 30th, 2009 | #
I’m just getting started in school and very lucky to have my parents help! I have a Visa Buxx Card which is a pay as you debit card and you can’t send unless you have the money in your account. This card has helped me to learn how to manage my money.
November 30th, 2009 | #
This is useful information. Thank you
November 30th, 2009 | #
this was a bit long
November 30th, 2009 | #
Credit cards should be used for emergency’s only, however most people use it for everyday things and find themselves in debt.
November 30th, 2009 | #
wow this information couldn’t make it any easier for college students.
November 30th, 2009 | #
I don’t like using credit cards.
November 30th, 2009 | #
I went in the negative on my debit card so i rather just stick with my savings account because both debit and credit card is just heading for trouble someway down the line
November 30th, 2009 | #
Credit cards are a waste of time. All they do is cause problems
November 30th, 2009 | #
This was very helpful, it made me realize a lot about getting a credit card.
November 30th, 2009 | #
get the scholarships and grants you can and go to a community college for basic courses to save money before going in debt and getting a credit card
November 30th, 2009 | #
cool, thats great
November 30th, 2009 | #
a credit card with low interests is ok as long as you do not use it as your primary monetary source. I like to have some cash on me and my debit card my third and last resort would be my credit card.
November 30th, 2009 | #
I think credit cards shouldn’t have been invented. Whoever the jerk who invented it knew what they were doing. They knew that people would get carried away with the use of credit cards and eventually land in debt. That is the reason why our country is in debt next to the war & oil/gas. This article is very helpful to anybody in debt or considering getting a credit card.
November 29th, 2009 | #
Credit cards are only as useful as the responsile person holding them. I’m always very carefull on useing credit cards only as a last resort
November 29th, 2009 | #
well all am saying is that having credit ha taught me a lesson for life. having credit is a bad news for me
November 29th, 2009 | #
If people dont get credit cards they really wont have this problem.
November 29th, 2009 | #
This article didn’t really introduce me to anything I didn’t already know.
November 29th, 2009 | #
I definitely agree with this article. I’ve definitely heard a lot of this advice from my parents about how credit cards are a bad idea and this article just strengthens the point further.
November 29th, 2009 | #
debit card is easier 2 keep track of than credit card
November 29th, 2009 | #
Credit card debt is horrible!
November 29th, 2009 | #
Great. I’m being careful so I will not have a credit debt
November 29th, 2009 | #
The truth about credit cards is, having 2 or 3 is good for your credit score IF you pay them on time every month and don’t spend beyond your means. Don’t continue to apply for cards if you know your credit is bad, because each time you are rejected it affects your score.
November 29th, 2009 | #
I liked this, it was very informational and helpful.
November 28th, 2009 | #
Credit cards to me is a trap, I mean there is an old adage that says “he who does not toil should not eat” of course with the exclution of the old, the disabled and the dependent children,everyone else should toil for his or her living and not relaxing and building up exhorbitant bills to pay, when the pay cheque hasn’t even arrived, execept on rare and emergency occasions.
November 28th, 2009 | #
I agree with Lakera can you afford to pay it back?
November 28th, 2009 | #
I found that the article was interesting and only enhances the fact that our country has a problem with credit debt.
November 28th, 2009 | #
good stuff
November 28th, 2009 | #
The information was useful.
November 28th, 2009 | #
I was shocked! Thank goodness I read this information!
November 28th, 2009 | #
Just don’t get a credit card…that simple! If you don’t have money, don’t spend it!!!
November 28th, 2009 | #
Thank you aLL this info is gerat
November 28th, 2009 | #
Having a debit card is better. Credit cards are too much trouble for me.
November 28th, 2009 | #
useful information :]
now i dont even want to bother getting a credit card
November 28th, 2009 | #
this information was very interesting
November 27th, 2009 | #
Wow… I don’t ever want a credit card.
November 27th, 2009 | #
Credit isn’t always bad. You just have to keep up with it.
November 27th, 2009 | #
who would rather want to have to pay a whole bunch of money back then just use their own money. if they cant afford something they dont have to get it. most of the stuff we get is not a necessity anyway.
November 27th, 2009 | #
I had to learn quickly about the way credit cards work. I am trying to purchase a car and pay my phone biull under my own name. So, I find any information I get that can help me stay on top of things extremely useful.
November 26th, 2009 | #
the information was better then i expected
November 26th, 2009 | #
this is cool. learned a lot
November 26th, 2009 | #
I don’t trust credit cards
November 26th, 2009 | #
I believe this was very helpful information, and I also believe credit cards should only be used for emergency purposes.
November 26th, 2009 | #
Credit are very useful beacuase the credit card is easy to used and accessable. Howeve,r credit card can lost easily and some people abouses it.
November 26th, 2009 | #
I am trying to get out of credit card debt myself. This article was helpful.
November 25th, 2009 | #
Thank you for this useful information
November 25th, 2009 | #
I believe that credit cards should not be issued to college students, because this causes college students to go further into debt, because they dont fully understand credit cards.
November 25th, 2009 | #
Found the information useful
November 25th, 2009 | #
I cannot seem to avoid debt while in college. I wish that receiving scholarships was much easier. I have not received one yet but have managed to write essay after essay!
November 25th, 2009 | #
Having credit card debt is the worst thing possbily. You should onl soend money on what you need for everyday life. Not go and buy things justto have them, if you do that, that will put you in so much debt that you’ll be paying it off til die. Bottom line only spend money that you have to not because you want to.
November 25th, 2009 | #
I would much rather have a debit card where I know I have the money rather then build up a debt.
November 25th, 2009 | #
I like the notion of molding them into frisbees and throwing them away…because I play ultimate frisbee.
November 25th, 2009 | #
what’s a credit card?
November 24th, 2009 | #
that’s right, but who does not have a minimum amoun of credit debt these days?
November 24th, 2009 | #
Do not get a limit on your credit card that is to high to pay back!
November 24th, 2009 | #
People tend to take more credit cards out when they know they’re not going to be able to pay back; That’s why credit card debt is increasing so much in out country. Be careful guy and choose wisely.
November 24th, 2009 | #
Once you get a credit card you’re headed for trouble.
November 24th, 2009 | #
this information is greatt
November 24th, 2009 | #
very helpful!!
November 24th, 2009 | #
people without this info will be in a world of hurt
November 24th, 2009 | #
This is very informative, and will be useful in life.
November 24th, 2009 | #
It would be easier to have debit cards that functioned the same as credit
November 24th, 2009 | #
Great information to use.
November 24th, 2009 | #
Credit Cards can be helpful, but dangerous if abused.
November 24th, 2009 | #
i think this is very usefull and i will use it in my daily life.
November 24th, 2009 | #
In my opinion, I think that you really only need one credit card. A credit card that you can purchase almost everything. I mean why get more than one. That is just going to make you fall behind in your payments.
November 24th, 2009 | #
i agree with antony neace
November 24th, 2009 | #
I don’t even have a card but I have bad credit so I can get a card to better my credit. I have to put my name on other account to build my creadit first.
November 24th, 2009 | #
Credit, credit, credit….it’s the worst, but in the society we live in, we can’t live w/o it…sucks..but life goes on.
November 24th, 2009 | #
I think that if anyone wants to purchase a credit card read the guide lines before purchasing and also pay your payments on time because if you don’t you will just dig yourself into debt grave later on down the road.
November 24th, 2009 | #
i rather use cash than a credit card
November 24th, 2009 | #
These days it would just be better to have a debit card that functions as a credit card.
November 24th, 2009 | #
Dont get into credit debt. Its one of the hardest things to get out of.
November 24th, 2009 | #
Try not going into debt. Its one of the hardest things to get out of. Dont dig yourself into a hole.
November 24th, 2009 | #
this is a great way to let young ppl like myself to be aware of the credit card and the responsiblity.
November 24th, 2009 | #
i don’t trust myself with credit cards for just these kinds of reasons, the debt being top of the list.
November 24th, 2009 | #
This honestly helps clear a few things up.
November 23rd, 2009 | #
I dont like debt. I dont want to use credit unless for major purchases like a car or home when I get older
November 23rd, 2009 | #
I’d rather just use cash than a credit card!
November 23rd, 2009 | #
Credit cards are just tools that we have invented to spend money that we don’t have, hoping that our job will give us the money later so that we can pay off the cost, plus the fees that the credit card company tacks on in interest. i think it it wisest to spend money on things that are affordable and fit in your budget so that you don’t need to pay for them with money you don’t have, but with money you DO have, saving you from interest costs and stress :]
November 23rd, 2009 | #
Credit cards can be scarry if you don’t know how to handle them. If you have one and can pay it off in full each month, going into debt won’t be a problem.
November 23rd, 2009 | #
You will end up owning a thousand Discover More Cards.
November 23rd, 2009 | #
I hope to never get into credit card debt. The only things I hope to go into debt over are education and a house.
November 23rd, 2009 | #
this is very useful information that i will use to y advantage
November 23rd, 2009 | #
I dont like credit cards they are a pain
November 23rd, 2009 | #
This information is very useful to students who are just begin to get a taste of the real world. Credit basically runs your life. With today’s economy this information is a helpful tool to college students especially when considering student loans and their effects on your credit
November 23rd, 2009 | #
credits card is good to build up credit
credit card bad when your credit goes crap b/c of it XD
November 23rd, 2009 | #
I don’t like using credit cards, but this is the country where credit cards are pretty much needed to buy anything, from a house to a car, to furniture. I say if you’re getting one, pay it completely off the next pay month. That way you don’t get more interests. But I think everyone needs a credit card, unfortunately.
November 23rd, 2009 | #
This is a great idea for many of us.
November 23rd, 2009 | #
credit cards scare me!
November 23rd, 2009 | #
Credit cards are the worst form of instant gratification.
November 23rd, 2009 | #
Using secure credit cards is how I started out.
November 23rd, 2009 | #
This information is very useful I will tell some of my friends to look at this.
November 23rd, 2009 | #
This information is very helpful. I tell some of my friends who in debt to look at this.
November 23rd, 2009 | #
Debt is a trap
November 23rd, 2009 | #
thankks for the info! :O
November 23rd, 2009 | #
Not going into debt is the best bet.
November 23rd, 2009 | #
This article had some very useful information in it.
November 22nd, 2009 | #
i’m a young blck woman, and i love money and the views published in this article just seem like every one will be in debt if they are using a credit or debit card…what happened to just paying in cash???
November 22nd, 2009 | #
I think it’s totally okay with owning a credit card, but whether or not one has a large debt really depends on how much they spend and if they pay their deadlines on time. I think it all depends on the card’s owner and their own ability to manage their own money
November 22nd, 2009 | #
i think it’s okay to have a credit card, as long as you know how to manage the amount you spend and pay it all off on time. It’s all on the card’s owner
November 22nd, 2009 | #
i like cash…
sorry..
i dont wanna get in debt..
November 22nd, 2009 | #
Credit cards can be dangerous and should be used for emergency only!
November 22nd, 2009 | #
This affects everyone. I’m seeing how my parents credit affects me now as I start looking for colleges.
November 22nd, 2009 | #
this was informative, I will look at this if I ever need any help.
November 22nd, 2009 | #
nice very good
November 22nd, 2009 | #
great advice, tryin to avoid going into dept.
November 22nd, 2009 | #
it is important to be smart with credit cards. I wasn’t and am paying for it now, but credit cards do help with building credit, which is necessary too.
November 22nd, 2009 | #
this is very useful informations that i’ll share with family members
November 22nd, 2009 | #
Great information! everyone should read this.
November 21st, 2009 | #
very helpful
November 21st, 2009 | #
very helpfull article
November 21st, 2009 | #
if you cant afford it dont buy it
November 21st, 2009 | #
Well everyone that uses credit cards need to be more responsible and need to know how to administrate money.
November 21st, 2009 | #
good and useful info
November 21st, 2009 | #
very useful info =)
November 21st, 2009 | #
i hate credit cards, they say you need at least one! but i took a finince class and i know this to be untrue, therefore i plan on never getting one!!!!
November 21st, 2009 | #
Dave Ramsey says “Debt is dumb, Cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice.” DEBT is another four-letter word.
November 21st, 2009 | #
Cash is my friend!
November 21st, 2009 | #
very good advise but no one is really able to pay it off within that year so there are just left paying someone else that same amount of money if not more its a trap I plan to stay out of
November 21st, 2009 | #
Dont own one, but will soon, so this is good info.
November 21st, 2009 | #
Don’t own one yet, but will soon, so this is good info.
November 21st, 2009 | #
This was some good advice. I think that it is good how the article mentioned good credit and bad credit. Some people think that their is only bad credit, so this was a good way for people to know.
November 20th, 2009 | #
Very good informative article.
November 20th, 2009 | #
Use your Debt card instead of credit. Credit card interests are very bad
November 20th, 2009 | #
This article sure helped for starters!!!
November 20th, 2009 | #
I like this stuff. i’ll make sure to show this stuff to my parents i think it could help.
November 20th, 2009 | #
This is some vey helpful information
November 20th, 2009 | #
i think this is really useful to everyone that is in trouble or not
November 20th, 2009 | #
From experience stop using your credit cards and pay more than the minimum payment. I payed my payment and whatever that month’s interest would be. When you get something paid off, include that monthly payment (that you are already used to paying) along with your regular payment on another bill. You would be suprised how quickly that snowball effect will help you get out of debt.
November 20th, 2009 | #
Good info.
November 20th, 2009 | #
I stick to cash for a while.
November 20th, 2009 | #
Thanks for great info on credit cards.
November 20th, 2009 | #
Credit cards are the death of your financial future!
November 19th, 2009 | #
I personally would not ever get a credit card unless it was in an emergency situation.
November 19th, 2009 | #
Credit cards get you in trouble…even though ppl say they are good.
November 19th, 2009 | #
I learned to watch out!! Debt can be stressful and more expensive in the long run.
November 19th, 2009 | #
I enjoyed this article. Helpful information
November 19th, 2009 | #
i dont think i want a credit care when i get older ill stick to cash.
November 19th, 2009 | #
people should just use common sense and learn to use their credit card wisely, then there would be less issues (:
November 19th, 2009 | #
I believe that many people have credit cards because they do not like to carry cash around. However, they soon find themselves in debt because they can not see the money leaving their wallet.
November 19th, 2009 | #
I never want a credit card!
November 19th, 2009 | #
I don’t have a credit card and I think credit card debt is horrible!
November 19th, 2009 | #
i think credit card is good if you don’t overuse them, keep in my they are you real money.
November 19th, 2009 | #
i found this info very useful
November 19th, 2009 | #
This is a good article with some great advice. It covers every kind of person in debt, those with good credit, and those with bad. While this is a helpful article, I still have to stick with my personal opinion on credit cards. I think they should only be for emergency purposes, and this does NOT include weekly shopping trips.
November 19th, 2009 | #
Havong a credit card is too much of a hastle, id rather stick to cash!
November 19th, 2009 | #
My mom taught me well about credit cards. They are a tragedy ready to occur! They are nothing but a lie and a scandle to get money out of someone. I will never get a credit card! A debit card is the way to go. That way I can keep track of all my spending and I can take money out manuely
November 19th, 2009 | #
I do not want a credit card. i Think i will even wait to use my debt card
November 19th, 2009 | #
great info
November 19th, 2009 | #
Credit cards are usefull for ligit emergencies. That is it….. out side that leave them alone.
November 19th, 2009 | #
Hopefully i can use this information for future references
November 19th, 2009 | #
This is very useful to me before I incur credit card debt. I will be mindful to use it responsibly.
November 19th, 2009 | #
This information was very informative and useful, especially for these hard economic times.
November 18th, 2009 | #
This information was very informative and I will use this in my daily life
November 18th, 2009 | #
this was very informational. now i kno for next time
November 18th, 2009 | #
Wow!! Very helpful and good advice. Thanks
November 18th, 2009 | #
GREAT ADVICE! CREDIT CARDS STINK!
November 18th, 2009 | #
If people could get this info and actually used they could help their selves a lot but most of the people dont know any of this information so most of them would continue paying credit cards bills all their life
November 18th, 2009 | #
very helpful and informative on how to manage money
November 18th, 2009 | #
Maybe if more people were conscious of this information, less people would be hit so hard by the state of the economy.
November 18th, 2009 | #
i would love this advice!
November 18th, 2009 | #
yes very helpful info im glade that this was here.
November 18th, 2009 | #
great advice
November 18th, 2009 | #
think about where and how your spending your money
November 18th, 2009 | #
I never thought or considered using a credit card because of the possible debt issues. After reading this it makes me reconsider some things
November 18th, 2009 | #
i think it was use full
November 18th, 2009 | #
i think this info was very usefull
November 18th, 2009 | #
This was some really helpful info.
November 18th, 2009 | #
good advice
November 18th, 2009 | #
I think this information was helpful and informative. I think more people should read about it and it will help a great deal.
November 18th, 2009 | #
Great info!
November 18th, 2009 | #
I found this information very interesting
November 18th, 2009 | #
with the economy this way it’s a bad idea to have credit problems. This article was helpful.
November 18th, 2009 | #
very useful information
November 17th, 2009 | #
Very good information!
November 17th, 2009 | #
very helpfull… i don’t own a credit card so it will help with future decisions
November 17th, 2009 | #
thats why i dont trust credit cards just stay away from them
November 17th, 2009 | #
this was helpful info
November 17th, 2009 | #
This information was very helpful.. I now understand more about how credit cards work.
November 17th, 2009 | #
I thought I knew a lot about this, but now I feel like I know nothing at all. Very useful information.
November 17th, 2009 | #
we should all get back to spending the money we have not putting things on credit
November 17th, 2009 | #
very informational!
November 17th, 2009 | #
This was great info makes one think
November 17th, 2009 | #
this is very good information
November 17th, 2009 | #
It will be very helpful fo me
November 17th, 2009 | #
I can use this info in my near future
November 17th, 2009 | #
This info was very helpful for my future
November 17th, 2009 | #
Credit card debt is a severe issure right now, this information is very useful to me and made me aware of the danger of credit cards.
November 17th, 2009 | #
this is an interesting article
November 17th, 2009 | #
This was a very useful page
November 17th, 2009 | #
I don’t understand all of this credit card stuff. I would love to learn because these tips could be very useful if I had a credit card.
November 17th, 2009 | #
great info!!!
November 17th, 2009 | #
Info is priceless. I copied and pasted it right away.
November 17th, 2009 | #
This information is very useful, and I will let my aunt know about it.
November 17th, 2009 | #
Credit card debt can leave one feeling trapped and depressed. I would know this because my family has experienced being in debt and its effects are very stressful on a family.
November 17th, 2009 | #
This info was very informative and helpful
November 16th, 2009 | #
I heard that debt can also work on your nerves.
November 16th, 2009 | #
Very helpful
November 16th, 2009 | #
very useful information!
November 16th, 2009 | #
really easy to slip into debt.
November 16th, 2009 | #
I do debit it helps me keep track of how much im spending.
November 16th, 2009 | #
ahh, this was quite helpful; even for me as a high school senior!
November 16th, 2009 | #
best to pay with cash then you wont get into debt.
November 16th, 2009 | #
Freedom now,troble later…..think it over
November 16th, 2009 | #
getting into debt can get you into alot of trouble.
November 16th, 2009 | #
Something to think about the results before doing such things. Good topic to write about
November 16th, 2009 | #
I Think this issue should be handled head on, and that it is the only way we can rebuild this economy.
November 16th, 2009 | #
soo true…it is sooo easy to get into debt
November 16th, 2009 | #
yessirie
November 16th, 2009 | #
Credit card debt is too easy to get catch up in.
November 15th, 2009 | #
great article beware of credit cards
November 15th, 2009 | #
I don’t have a credit card yet, but reading this helped me to understand how it works.
November 15th, 2009 | #
credit cards are definitely not a smart option and easy to over spend, american express is an excellent one though because you have to put money on it in order to spend the money so you only end up spending what you have, no more.
November 15th, 2009 | #
Its always good to have at least once credit card to build up a good credit record but you have to be careful with them.
November 15th, 2009 | #
This is great info!
November 15th, 2009 | #
Cant wait till i get a credit card. Happy but scared.
November 15th, 2009 | #
This information is accurate. I am sure that somebody who reads this information will need it. I am considering to get a debit card one day.
November 15th, 2009 | #
Credit cards could be good and they could be bad.
November 15th, 2009 | #
it is a really helful article and it really helped me understand more
November 15th, 2009 | #
That was very helpful information. I have always thought credit cards are trouble because it can seem like free money to some people.
November 15th, 2009 | #
I don’t even know how to go about applying for a credit card… but can you really get through life without one? It seems like a good idea to try but then how would you make big purchases? I wish they had financial planning classes at my school.
November 15th, 2009 | #
Max: You have to know that having a credit card is not an easy way out, of your problems that by having this card, you are responsible for what you spend. Plus high interest on this card. November 15,2009
November 15th, 2009 | #
this is very useful. thank you
November 15th, 2009 | #
I think credit cards for students are good,the only thing is,they need to have student to have a certain amount at first,to see if they are responsible enough to have the credit card.
November 15th, 2009 14
November 15th, 2009 | #
This has made me more aware of the issue of how easy it is to fall into debt. It was a good thing to read as I prepare to leave home for college and become more independent.
November 15th, 2009 | #
IT IS VERY HELPFUL KNOWING ABOUT Credit card debt
November 15th, 2009 | #
My motto remains the same only get 1 credit card and only spend what you can afford to pay on it other than that use debit card or cash.
November 15th, 2009 | #
I don’t think I could possible handle a credit card…
November 15th, 2009 | #
I will never get a credit cards but i hear that they come in handy.
November 15th, 2009 | #
I have a small credit card balance, but am able to pay off each month. I hope to keep it that way! Thank you.
November 15th, 2009 | #
I think am too young to handle a credit card now cuz i will send a lot if i have one and cant pay.
November 15th, 2009 | #
I think am too young to handle a credit card because i will spend a lot and cant pay.
November 15th, 2009 | #
as long as you know how to manage it, i think is ok to have a credit card!
November 15th, 2009 | #
I find that, in America, it is very important that people stop focusing on what they could have but rather focus on what they do have: namely, friends and family. When a person has an attitude towards acquiring new earthly goods, it is only natural that they find themselves in massive amounts of debt. One must realize that they can not buy everything they think they want and, further, that they don’t really want these things in the first place.
November 15th, 2009 | #
i dont think i could have a credit card either, it would probably stress me out, this article has been very helpful
November 15th, 2009 | #
i could have a credit card either, it would probably stress me out, this article has been very helpful :]
November 15th, 2009 | #
i hate credit cards
November 14th, 2009 | #
I seriously don’t think that getting a credit card in this economy is the best idea out there and really don’t think ill get one, ever!
November 14th, 2009 | #
this is a great idea
November 14th, 2009 | #
wowt this is the best idea and solution ever thnx for who ever posted it helped my parents out
November 14th, 2009 | #
The best way to get out of debt is well, don’t get into debt in the first place. Plan out want you spend and don’t spend what you don’t have.
November 14th, 2009 | #
You have to be careful! credit cards are not money, they are just a piece of plastic that represent debts!
November 14th, 2009 | #
You have to be careful! credit cards are not money, they are just a piece of plastic representing debts!
November 14th, 2009 | #
this info is very usefull, I will remember this when I apply for a credit card.
November 14th, 2009 | #
Credit cards can be useful under the right circumstances, but with everything in life they require responsibility and use in moderations.
November 14th, 2009 | #
This helped me to learn more about debt!
November 14th, 2009 | #
This was very informative. I liked it.
November 14th, 2009 | #
i dont think i could handle a credit card. i would want to spend way to mush money.
November 14th, 2009 | #
I don’t think i could handle a credit card either right now, too much stress
November 14th, 2009 | #
I don’t think I could handle a credit card right now. I have enough to worry about already.
November 14th, 2009 | #
I pretty much already knew this from personal finance at school and I think I’ll just stick with not buying outrageous things with a credit card and I won’t have a problem.
November 14th, 2009 | #
this was a good article, great advice!
November 14th, 2009 | #
good advice! I wonder if the people who are in debt will read it.
November 14th, 2009 | #
credit cards can be both good and bad but you have to know how to balance needs and wants.
November 14th, 2009 | #
Credit cards can be good things when used properly.
November 14th, 2009 | #
credit cards can be good things when used properly
November 14th, 2009 | #
credit cards can be a good way to build up credit if they are used properly
November 13th, 2009 | #
Sounds like my economics teacher
November 13th, 2009 | #
this helps a lot when you can relate to being a creditcard owner
November 13th, 2009 | #
This was interesting.
November 13th, 2009 | #
I plan on getting a credit card once i turn eighteen and the only reason i am getting one is so that i can build my credit up. my parents will also be co signing for me on my new car in feburary, that will bring my credit up. the only time i will use my credit card is if i know i have money ro pay for it when i buy something and car gasoline!
November 13th, 2009 | #
This was helpful information
November 13th, 2009 | #
credit cards is another way to inslave people an the credit card compamies get the younger people to buy them so they can be in dept (slaves) for half they lives or until they pay it off. we got to be smarter then that
November 13th, 2009 | #
i dont have a credit card yet but this information will hopefully help me in the future
November 13th, 2009 | #
I don’t have a credit card yet but this information is very useful for the future. I think the biggest mistake people make is when they put almost everything on credit
November 13th, 2009 | #
This information is very resourceful and i will apply it in my everyday life.
November 13th, 2009 | #
from reading this section i have learned a lot. You must make sure you take care of your accounts and make sure you knwo how much you put on and off.
November 13th, 2009 | #
for hearing about credit cards i will never get one but i hear that they come in handy
November 13th, 2009 | #
there is way more to spending money than i thought
November 13th, 2009 | #
I Believe this information is very interesting. It shows that people should know how much they are spending and not spend more then what they have. I think that credit cards should only be used when really needed.
November 12th, 2009 | #
credit cards .. my nightmareeeeee. .
i cant wait to get one (sarcasim)
November 12th, 2009 | #
I liked this article
November 12th, 2009 | #
This will help me in my own credit card issues.
November 12th, 2009 | #
This helps a lot.
November 12th, 2009 | #
This is pretty interesting. I’m gonna let my mom know about it, we’re extremely in debt right now.
November 12th, 2009 | #
Credit cards are very useful if you know how to manage how much you spend.
November 12th, 2009 | #
This really useful information thanks!
November 12th, 2009 | #
This information will definitely help me when I get into credit card debts if I do in the future.
November 12th, 2009 | #
This information will definitely help me defend myself with my credit card debts if I ever get any.
November 12th, 2009 | #
Credit cards are for responsible people so always use wisely .
November 12th, 2009 | #
Hm..
November 12th, 2009 | #
Thanks for posting this…very helpful and informative.
November 12th, 2009 | #
credit cards is a great things you just have to take care of it and not spending more than you have in the bank.
November 12th, 2009 | #
by reading this, i learned alot about debt
November 12th, 2009 | #
Very informative. Thank you.
November 12th, 2009 | #
I really learned from that thanks alot
November 12th, 2009 | #
Use credit cards for emergency use only then pay them off so you will not ahve to pay much interest/
November 11th, 2009 | #
Use credit cards for emergency use only then pay the card offon time so you will not ahve to pay interest.
November 11th, 2009 | #
This was an intresting article I will be sure to keep it in mind.
November 11th, 2009 | #
Having a credit card does not always have to send you into debt. Using it wisely can actually improve your credit score and allow you to become more responsible. However, in order to do this you must pay them off every month.
November 11th, 2009 | #
Credit cards come in handy
November 11th, 2009 | #
Credit cards are useful to get good credit so you can buy things like houses and such. But in order to keep good credit you have to keep up on payments. So don’t buy overwhelming things on your credit cards.
November 11th, 2009 | #
I think that is this very educational to many.
November 11th, 2009 | #
credit cards are dangerous if not used properly
November 11th, 2009 | #
I think I should wait to get a credit card, after school is paid off.
November 11th, 2009 | #
IS it really worth to spend money you don’t have. In the end all you end up with is alot of debt and pay for more money that you spent in the begining.
November 11th, 2009 | #
these cards should be used sparingly and only when absolutely in extrene need of help. mot for shopping sprees and frivilous things that you could live without.
November 11th, 2009 | #
I think I want a credit card, but I’m still not quite sure…maybe just for emergencies. Hmmm.
November 11th, 2009 | #
Growing up with the suffuring of seeing my mother go through credit card debt has taught me a valuable lesson. Never ever depend on a credit card!!!! The information above has caused me to change my mind all together about credit cards. Just use them wisely.
November 11th, 2009 | #
People should just pay the monthly bill everytime so that they wont go over, and if they are not going to have the money to pay for the credit card they shouldn’t be using it.
November 11th, 2009 | #
Credit cards are only good if only you use in purchasing less expensive items or else you will die having many debts
November 11th, 2009 | #
Worth the reading, very informative.
November 11th, 2009 | #
I won’t ever get a credit card.
November 10th, 2009 | #
GREAT TO KNOW!!! Thanks for the tips!
November 10th, 2009 | #
useful info.
November 10th, 2009 | #
Even though I don’t have a credit card yet, I will have one soon and this makes me less nervous about it already
November 10th, 2009 | #
It is wise to keep the credit card expense on time and promt. Saves you time and money!
November 10th, 2009 | #
My parents have problems with credit cards, this helps me in avoiding such problems.
November 10th, 2009 | #
I wish I could get through life without using credit cards, but in today’s society that is practicaly impossible. I do like the plan this article has layed out, it may be very useful very soon.
November 10th, 2009 | #
you should pay your credit card debt off monthly. do not use your credit card a lot when you know you cannot pay it off
November 10th, 2009 | #
Pay off the highest intrest first. The key, however, is not to accrue more debt. Quit buying things unless necessary!
November 10th, 2009 | #
I find this website very useful for future refrences in life.
November 10th, 2009 | #
I think this information is useful. I think you should you a credit card for real emergencies and not just because you have one.
November 10th, 2009 | #
I think this information is very useful. You shoul only use credit cards for emergencies and not just because you have one.
November 10th, 2009 | #
very useful
November 10th, 2009 | #
The best thing to do with credit cards is pay them off every month. My mother doesn’t but my grandmother does and guess who has more money?
November 10th, 2009 | #
I think my grandmother’s advice is right–pay off your credit cards every month!
November 10th, 2009 | #
We shouldn’t use credit card excessively
November 10th, 2009 | #
Well I think that credit cards are one of the reason so many people are in debt. It is so easy to max out on a card because it is easy money. At the time you’re not even thinking about the bill or the interest. Credit crads should only be used for an emergency.
November 10th, 2009 | #
Just recently, my parents got me my first credit card. I knew that the money on it was not unlimited, but I got carried away the the thrill of being able to buy the things I wanted, and found myself in instant credit card debt. This information helps me realize the limitations and ways to correct this kind of behavior so that I don’t do it again in the future.
November 10th, 2009 | #
This info is very interesting. Today in my economy class we learned so much about credit card debt and how you can get out of them, and how you can avoid it!!
November 9th, 2009 | #
Credit cards charge way to much interest no way would I ever have one
November 9th, 2009 | #
This information is so helpful and right on time as I’m currently trying to clear up the mess I’ve created from my early days of credit.
November 9th, 2009 | #
wow, never knew that
November 9th, 2009 | #
im not in dept but this information is useful.
November 9th, 2009 | #
I actually saw a video relating to this article. The information is very useful for the future reference.
November 9th, 2009 | #
I am scared of having a credit card..
November 9th, 2009 | #
learn not to get tempted
November 9th, 2009 | #
Well..i dnt have any credit because i dont own anything in my name and i am glad because if i did have a credit card then i would probably not act as responsible as i should
November 9th, 2009 | #
well…i have no credit because i have never owned anything in my own name but htis is uselful information!!!
November 9th, 2009 | #
I find this information useful because my parents have used credit cards and are still paying them off because of all the interest. I’ve learned that I never want to use a credit card.
November 9th, 2009 | #
A very important information and interesting at the same time
November 8th, 2009 | #
Credit cards can get you in deep trouble if you’re not carefull.
November 8th, 2009 | #
THis was some very good information about credit cardsand how to get yourself out of debt. It also opened my eyes to how to stay out of debt.
November 8th, 2009 | #
I dont even have a card
November 8th, 2009 | #
I found this information highly useful since many people are in this situation and don’t know what to do. I, myself learned from this and will use it in the future so debt won’t be a problem.
November 8th, 2009 | #
Credit cards can be useful but it’ important to know WHEN to use them and if it’s worth it.
November 8th, 2009 | #
It is amazing how much info we can find reading these kind of sources. I personally believe in not getting into debts unless in absolutly necessary.
November 8th, 2009 | #
This is a great idea!
November 7th, 2009 | #
This is a good idea. And Im going to use it in my life!
November 7th, 2009 | #
best to use a credit card only if you know you have the money in the bank to pay for it a month later.
November 7th, 2009 | #
credit cards are free money. you always have to pay it back.
November 7th, 2009 | #
Very useful
November 7th, 2009 | #
Very useful.
November 7th, 2009 | #
yes very important info: credit cards and debit cards =[
November 7th, 2009 | #
Yea, I don’t have any credit yet but I’m thinking about getting a credit card. I want to start off simple, not with a major credit card company because I heard that’s a good thing to do.
November 7th, 2009 | #
I honestly am gonna try to live without a credit card for as long as possible..
November 7th, 2009 | #
Its easy, just don’t spend more than you have and Keep track of where your spending is going.
November 7th, 2009 | #
Great Info. I will be sharing this with others.
November 7th, 2009 | #
I agree! I would rather walk around with 20 bucks in my pocket then any kind of plastic! If I have plastic, I’m using it for sure!
November 7th, 2009 | #
This info was and is very useful…
November 7th, 2009 | #
Credit is a huge problem for college students! I try to not use my credit unless its for something like books and things absolutely nee, because i have buy them anyway, and then just pay my credit bill. This gives me good credit, and helps me get through!
November 7th, 2009 | #
Credit cards are unnecessary and only put people in debt because they are allowed to be given to people as long as they are 18. Most young adults are not ready to have a credit card and there should be more requirements in order to recieve one.
November 6th, 2009 | #
I just use mine when i buy groceries and pay off the whole balance monthly
November 6th, 2009 | #
how about not getting “in” debt in the first place.play the game right and be responsible.good information though
November 6th, 2009 | #
how about not getting “in” debt in the first place. just play the game right and be responsible.good information though
November 6th, 2009 | #
good advice for anyone!
November 6th, 2009 | #
This is a great idea i think some family members should read this too..
November 6th, 2009 | #
I haven’t yet gotten my own credit card but from all the bad stuff I hear about them I’m starting to think maybe its not such a good idea.
November 5th, 2009 | #
Card cards are like a neccesary evil. You find out how people get trapped under mountains of debt from them and then vow not to ever get one. But the reality is that you need them to purchase a house, a car, or even get a loan. I Think this is a great article for everybody not just people in debt
November 5th, 2009 | #
really good article
November 5th, 2009 | #
i don’t do credit cards
November 5th, 2009 | #
Ive been thinking about getting either a credit card, and its nice to know what i can do if i ever do get into a compromising situation with them
November 5th, 2009 | #
Credit card consolidation is a good way to help you if you have huge payments, but it should not be used as a way to get more credit cards or start buying more things. The whole point is to get what you have paid for and not add more on.
November 5th, 2009 | #
wow..i hope i never get tht much unto debt…im evn scared to take out school loans…butt always good to kno
November 5th, 2009 | #
I was taught, if you don’t have the money, then you can’t afford to spend it.
November 4th, 2009 | #
wow… thanks for the advice Renita…. I have 1 visa and 1 mastercard…. at first this seems like a good idea for a balance transfer but thinking more about it its not… lol
November 4th, 2009 | #
Credit cards in general are a bad idea. People just should not spend the money that they don’t have. Also, bankers/loan officers should not give out money that they know their clients can pay back just because they are self-ish and looking for the profit for themselves. They are a big reason as to why our economy went into a recession.
November 4th, 2009 | #
The best way to make sure you don’t amass credit card debt is to not get in debt at all! or at least very little debt. Once you have to pay off a debt it just grows and grows.
November 4th, 2009 | #
Just as Renita says, transferring credit would cause a tremendous increase in your OVERALL payment because of interest rates. People need to learn not to get into credit card debt in the first place; people just want things when they want it, and never seem to have the patience to earn what they are buying. It is because of this that our economy is in the state it is today.
November 4th, 2009 | #
Credit Cards Can be dangerous
November 4th, 2009 | #
I am a young student and I am about to enter into the real world where I will recieve a credit card. This article allowed me to get a deeper look into what I need to worry about, how I can transfer money, and interested rates.
November 4th, 2009 | #
Credit cards are nothing to play with. Only use them when you need to buy things not when you want something and don’t have the money. Or else face the consequences.
November 4th, 2009 | #
it better not to have credit cards
November 4th, 2009 | #
Credit cards can be a bad thing because they can put people in debt if they don’t pay them off. If the credit cards don’t get paid off. The interest rates go up and then will go into debt more.
November 4th, 2009 | #
The solution: Live, not within your means, but well under it so that when troublesome times hit, you are prepared to recover using your own money.
November 4th, 2009 | #
Still doesn’t get the balance paid down. The money needs to be paid back.
November 4th, 2009 | #
Many young people abuse credit cards. My advice is to just use a debit card until you are out of college. Then, if you feel confident you can get a credit card.
November 3rd, 2009 | #
be careful with your money. dont make your decision too quickly
November 3rd, 2009 | #
Americans need to stop spending money they do not have.
November 3rd, 2009 | #
After many years of debt my family resolved the issues with never using them again, and we haven’t for five years. Credit Cards are so overrated and are giant sink holes.
November 3rd, 2009 | #
Transferring the balance may seem like a good idea but Discover Card can be ruthless with their interest rates. The 12 months are a gimmick/trap because no one ever pays off their balance within a year. They are designed to keep you in debt for years.
November 3rd, 2009 | #
Credit Card debt binds you down. It is better to only spend money on what you need and use it wisely. If you do have to go into debt because of a car or a house, you should try and pay for as much as you can and then pay it off as soon as you can.
November 3rd, 2009 | #
THIS CREDIT CARD INFORMATION THAT I HAVE BEEN READING SINCE I JOINED SCHOLARSHIPpOINTS.COM AS BEEN INFORMATIVE, I GUESS AFTER ALL THAT AS BEEN SAIS ITS NOT SO MUCH HOW UCH O SPEND, BUT CAN U AFFORD TO PAID BACK THE MONEY IN THE AGREED TIME FRAME………..
…..:0
November 3rd, 2009 | #
THSI HAS HELPED ME WONDERFULLY
November 3rd, 2009 | #
I thought this was really helpful to read, but what can you do if your credit is so bad that you can’t even get a credit card?
November 3rd, 2009 | #
Credit Cards should only be for emergency purposes
November 3rd, 2009 | #
Credit debt is a huge problem in the country right now, and with the economy in debt, it’s one of the worst times to be in debt. I found this article helpful, and it had valuable tips.
November 3rd, 2009 | #
This information is very useful, and I will use it in my daily life.
November 3rd, 2009 | #