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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This information is very useful, and I will use it in my daily life.
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 | #
Credit Cards should only be for emergency purposes
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 | #
THSI HAS HELPED ME WONDERFULLY
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 | #
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 | #
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 | #
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 | #
Americans need to stop spending money they do not have.
November 3rd, 2009 | #
be careful with your money. dont make your decision too quickly
November 3rd, 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 | #
Still doesn’t get the balance paid down. The money needs to be paid back.
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 | #
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 | #
it better not to have credit cards
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 | #
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 Can be dangerous
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 | #
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 | #
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 | #
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 | #
I was taught, if you don’t have the money, then you can’t afford to spend it.
November 4th, 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 | #
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 | #
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 | #
i don’t do credit cards
November 5th, 2009 | #
really good article
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 | #
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 | #
This is a great idea i think some family members should read this too..
November 6th, 2009 | #
good advice for anyone!
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 | #
how about not getting “in” debt in the first place.play the game right and be responsible.good information though
November 6th, 2009 | #
I just use mine when i buy groceries and pay off the whole balance monthly
November 6th, 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 | #
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 | #
This info was and is very useful…
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 | #
Great Info. I will be sharing this with others.
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 | #
I honestly am gonna try to live without a credit card for as long as possible..
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 | #
yes very important info: credit cards and debit cards =[
November 7th, 2009 | #
Very useful.
November 7th, 2009 | #
Very useful
November 7th, 2009 | #
credit cards are free money. you always have to pay it back.
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 | #
This is a good idea. And Im going to use it in my life!
November 7th, 2009 | #
This is a great idea!
November 7th, 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 | #
Credit cards can be useful but it’ important to know WHEN to use them and if it’s worth it.
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 | #
I dont even have a card
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 | #
Credit cards can get you in deep trouble if you’re not carefull.
November 8th, 2009 | #
A very important information and interesting at the same time
November 8th, 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 | #
well…i have no credit because i have never owned anything in my own name but htis is uselful information!!!
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 | #
learn not to get tempted
November 9th, 2009 | #
I am scared of having a credit card..
November 9th, 2009 | #
I actually saw a video relating to this article. The information is very useful for the future reference.
November 9th, 2009 | #
im not in dept but this information is useful.
November 9th, 2009 | #
wow, never knew that
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 | #
Credit cards charge way to much interest no way would I ever have one
November 9th, 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 | #
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 | #
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 | #
We shouldn’t use credit card excessively
November 10th, 2009 | #
I think my grandmother’s advice is right–pay off your credit cards every month!
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 | #
very useful
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 | #
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 find this website very useful for future refrences in life.
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 | #
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 | #
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 | #
My parents have problems with credit cards, this helps me in avoiding such problems.
November 10th, 2009 | #
It is wise to keep the credit card expense on time and promt. Saves you time and money!
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 | #
useful info.
November 10th, 2009 | #
GREAT TO KNOW!!! Thanks for the tips!
November 10th, 2009 | #
I won’t ever get a credit card.
November 10th, 2009 | #
Worth the reading, very informative.
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 | #
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 | #
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 | #
I think I want a credit card, but I’m still not quite sure…maybe just for emergencies. Hmmm.
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 | #
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 | #
I think I should wait to get a credit card, after school is paid off.
November 11th, 2009 | #
credit cards are dangerous if not used properly
November 11th, 2009 | #
I think that is this very educational to many.
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 | #
Credit cards come in handy
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 | #
This was an intresting article I will be sure to keep it in mind.
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 | #
Use credit cards for emergency use only then pay them off so you will not ahve to pay much interest/
November 11th, 2009 | #
I really learned from that thanks alot
November 12th, 2009 | #
Very informative. Thank you.
November 12th, 2009 | #
by reading this, i learned alot about debt
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 | #
Thanks for posting this…very helpful and informative.
November 12th, 2009 | #
Hm..
November 12th, 2009 | #
Credit cards are for responsible people so always use wisely .
November 12th, 2009 | #
This information will definitely help me defend myself with my credit card debts if I ever get any.
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 really useful information thanks!
November 12th, 2009 | #
Credit cards are very useful if you know how to manage how much you spend.
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 | #
This helps a lot.
November 12th, 2009 | #
This will help me in my own credit card issues.
November 12th, 2009 | #
I liked this article
November 12th, 2009 | #
credit cards .. my nightmareeeeee. .
i cant wait to get one (sarcasim)
November 12th, 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 | #
there is way more to spending money than i thought
November 13th, 2009 | #
for hearing about credit cards i will never get one but i hear that they come in handy
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 | #
This information is very resourceful and i will apply it in my everyday life.
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 | #
i dont have a credit card yet but this information will hopefully help me in the future
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 | #
This was helpful information
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 interesting.
November 13th, 2009 | #
this helps a lot when you can relate to being a creditcard owner
November 13th, 2009 | #
Sounds like my economics teacher
November 13th, 2009 | #
credit cards can be a good way to build up credit if they are used properly
November 13th, 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 both good and bad but you have to know how to balance needs and wants.
November 14th, 2009 | #
good advice! I wonder if the people who are in debt will read it.
November 14th, 2009 | #
this was a good article, great advice!
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 | #
I don’t think I could handle a credit card right now. I have enough to worry about already.
November 14th, 2009 | #
I don’t think i could handle a credit card either right now, too much stress
November 14th, 2009 | #
i dont think i could handle a credit card. i would want to spend way to mush money.
November 14th, 2009 | #
This was very informative. I liked it.
November 14th, 2009 | #
This helped me to learn more about debt!
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 info is very usefull, I will remember this when I apply for a credit card.
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 | #
You have to be careful! credit cards are not money, they are just a piece of plastic that represent debts!
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 | #
wowt this is the best idea and solution ever thnx for who ever posted it helped my parents out
November 14th, 2009 | #
this is a great idea
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 | #
i hate credit cards
November 14th, 2009 | #
i could have a credit card either, it would probably stress me out, this article has been very helpful :]
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 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 | #
as long as you know how to manage it, i think is ok to have a credit card!
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 | #
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 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 will never get a credit cards but i hear that they come in handy.
November 15th, 2009 | #
I don’t think I could possible handle a credit card…
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 | #
IT IS VERY HELPFUL KNOWING ABOUT Credit card debt
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 | #
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 is very useful. thank you
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 | #
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 | #
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 | #
it is a really helful article and it really helped me understand more
November 15th, 2009 | #
Credit cards could be good and they could be bad.
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 | #
Cant wait till i get a credit card. Happy but scared.
November 15th, 2009 | #
This is great info!
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 | #
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 | #
I don’t have a credit card yet, but reading this helped me to understand how it works.
November 15th, 2009 | #
great article beware of credit cards
November 15th, 2009 | #
Credit card debt is too easy to get catch up in.
November 15th, 2009 | #
yessirie
November 16th, 2009 | #
soo true…it is sooo easy to get into debt
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 | #
Something to think about the results before doing such things. Good topic to write about
November 16th, 2009 | #
getting into debt can get you into alot of trouble.
November 16th, 2009 | #
Freedom now,troble later…..think it over
November 16th, 2009 | #
best to pay with cash then you wont get into debt.
November 16th, 2009 | #
ahh, this was quite helpful; even for me as a high school senior!
November 16th, 2009 | #
I do debit it helps me keep track of how much im spending.
November 16th, 2009 | #
really easy to slip into debt.
November 16th, 2009 | #
very useful information!
November 16th, 2009 | #
Very helpful
November 16th, 2009 | #
I heard that debt can also work on your nerves.
November 16th, 2009 | #
This info was very informative and helpful
November 16th, 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 information is very useful, and I will let my aunt know about it.
November 17th, 2009 | #
Info is priceless. I copied and pasted it right away.
November 17th, 2009 | #
great info!!!
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 | #
This was a very useful page
November 17th, 2009 | #
this is an interesting article
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 info was very helpful for my future
November 17th, 2009 | #
I can use this info in my near future
November 17th, 2009 | #
It will be very helpful fo me
November 17th, 2009 | #
this is very good information
November 17th, 2009 | #
This was great info makes one think
November 17th, 2009 | #
very informational!
November 17th, 2009 | #
we should all get back to spending the money we have not putting things on credit
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 | #
This information was very helpful.. I now understand more about how credit cards work.
November 17th, 2009 | #
this was helpful info
November 17th, 2009 | #
thats why i dont trust credit cards just stay away from them
November 17th, 2009 | #
very helpfull… i don’t own a credit card so it will help with future decisions
November 17th, 2009 | #
Very good information!
November 17th, 2009 | #
very useful information
November 17th, 2009 | #
with the economy this way it’s a bad idea to have credit problems. This article was helpful.
November 18th, 2009 | #
I found this information very interesting
November 18th, 2009 | #
Great info!
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 | #
good advice
November 18th, 2009 | #
This was some really helpful info.
November 18th, 2009 | #
i think this info was very usefull
November 18th, 2009 | #
i think it was use full
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 | #
think about where and how your spending your money
November 18th, 2009 | #
great advice
November 18th, 2009 | #
yes very helpful info im glade that this was here.
November 18th, 2009 | #
i would love this advice!
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 | #
very helpful and informative on how to manage money
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 | #
GREAT ADVICE! CREDIT CARDS STINK!
November 18th, 2009 | #
Wow!! Very helpful and good advice. Thanks
November 18th, 2009 | #
this was very informational. now i kno for next time
November 18th, 2009 | #
This information was very informative and I will use this in my daily life
November 18th, 2009 | #
This information was very informative and useful, especially for these hard economic times.
November 18th, 2009 | #
This is very useful to me before I incur credit card debt. I will be mindful to use it responsibly.
November 19th, 2009 | #
Hopefully i can use this information for future references
November 19th, 2009 | #
Credit cards are usefull for ligit emergencies. That is it….. out side that leave them alone.
November 19th, 2009 | #
great info
November 19th, 2009 | #
I do not want a credit card. i Think i will even wait to use my debt card
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 | #
Havong a credit card is too much of a hastle, id rather stick to cash!
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 | #
i found this info very useful
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 don’t have a credit card and I think credit card debt is horrible!
November 19th, 2009 | #
I never want a credit card!
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 | #
people should just use common sense and learn to use their credit card wisely, then there would be less issues (:
November 19th, 2009 | #
i dont think i want a credit care when i get older ill stick to cash.
November 19th, 2009 | #
I enjoyed this article. Helpful information
November 19th, 2009 | #
I learned to watch out!! Debt can be stressful and more expensive in the long run.
November 19th, 2009 | #
Credit cards get you in trouble…even though ppl say they are good.
November 19th, 2009 | #
I personally would not ever get a credit card unless it was in an emergency situation.
November 19th, 2009 | #
Credit cards are the death of your financial future!
November 19th, 2009 | #
Thanks for great info on credit cards.
November 20th, 2009 | #
I stick to cash for a while.
November 20th, 2009 | #
Good info.
November 20th, 2009 | #