Credit Cards ????

[Janet]

We just have a little bit on the credit card and it will be paid off next month I think...or the next. We don't use it except for emergencies.

[HALEY]

We had a lot on ours, last year was bad, and the winter bills were high, so i had to put groceries, and Micah's clothes on our cc,, he is growing like a weed, its like i just got him shoes and now there getting to tight again, i have to take him this weekend to get new shoes again

[AngieDoogles]

I don't have credit cards, but my gas and electric (the only bills that aren't automatically drafted from my bank) come several weeks before they are due. I usually pay them right away anyway because I don't like to wait and risk it. I definitely don't want to pay more than I have to! $15 or $39 seems like a huge amount for a late fee!

[Gina]

I pay my cc bills every mt. on time. I had been late with one, I called and asked them for a first time courtesy and they will honor it.They will remove the late fee charge. This is how they make their money on people with high interests rates and if you miss payments. Crazy!

[donna1990]

When I was having all of my surgery, my bill was late, $39 late fee, called and they credited me. I now pay on line because they email me a reminder. I only have 2, your would think I could have paid more attention.

[judy]

I got notices about raising the interest rate to about 17%! I have to make sure they're not listed on any of my online shopping accounts because I'm surely never using them.

I pay my credit cards in full, and only use them for convenience. I've been just using my debit card for the past several months. If I can't afford it and buy it anyway, after my bills are paid, it's pasta for dinner.

Of course, in an emergency - they are a great back-up.

[HALEY]

Originally Posted by judy

I got notices about raising the interest rate to about 17%! I have to make sure they're not listed on any of my online shopping accounts because I'm surely never using them.

I pay my credit cards in full, and only use them for convenience. I've been just using my debit card for the past several months. If I can't afford it and buy it anyway, after my bills are paid, it's pasta for dinner.

Of course, in an emergency - they are a great back-up.

There raising mine too, that's why i can't wait till there paid off, Thank God Micah will still fit into some of his summer clothes from last year, just need to get him some outfits for church, socks and shoes, thats all i need...