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How many credit cards do you have? How many of those do you use?
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Dear click data harvesting program:
ReplyDeleteNone of your business.
Sincerely,
7
4 and I use all of them. But not frequently.
ReplyDelete3. All.
ReplyDeleteI do a lot of online shopping
ReplyDeleteNone. Only debit/credit card. I have gotten in too much trouble in the past, so now I just take away the temptation.
ReplyDeleteI use debit cards only.
Delete-×3 parissucks
DeleteWhy do you ask?
ReplyDelete@Paris, just noticed your picture. Is that the socialite that died and left her child to be raised by her mom and her husband at the time, Ahmad Rashad?
ReplyDelete2
ReplyDelete2
zero, never have never will.
ReplyDeletei have the impulse control of a toddler when it comes to shopping. i cant be trusted. ((hangs head))
cancelled all of them, just have a debit card. also I’ve survive without a bank account for 5 years now
ReplyDeleteHow do you have a debit card if you don't have a bank account?
Deleteps: f*ck ‘em
ReplyDelete0
ReplyDeleteAll Lace, it is Casey Johnson, Paris, Nicky and Kim K.
ReplyDeleteI refer to this picture as "Mount Rushwhore".
none. i have never had one. i pay cash or i don't get the things i think i need
ReplyDeleteIt's the "What was your childhood pet's name?" follow up question!
ReplyDeletesnowball (white cat)
Deletefrisky (brown dog "mut") @disco
Two but I haven't used one in years (might be expired) and a department store card that gets used about 4 times a year.
ReplyDeleteVirgina - It was a joke. You know how people use childhood pet names as security question answers on credit accounts? They asked that recently, plus other weird questions, so the inevitable follow-up to those was asking about credit cards.
ReplyDeleteHide yo credit, hide yo assets!
I figured it was disco. we've been warned about answering enty's "innocent" questions. i just wanted to answer it anyway
Delete;^)
One and only for travel.
ReplyDeleteNunya
ReplyDeleteTwo and I don't use either of them. They literally sit in a box collecting dust. I pay cash or use one of my debit cards for everything. I'm not gonna be in debt in this country, at this point. I'm wise to the fact that the economy is never going to get any better and I'm not giving the creditors my fucking money. It feels so good to be completely debt free. I buy all of what I need, some of what I want, and I save the rest.
ReplyDeleteOne, and i buy everthing with it. I collect points from it and since October 2011 I was able to get an iPad, a $600 camera, Nespresso machine and a $200 costco gift card.
ReplyDelete39yrs old. Never had a credit card. Same reason I never did blow, I've seen how bad people can get and want no part of it.
ReplyDeleteI have three but only use one. I'm reeeeeally trying to get myself out of debt.
ReplyDeleteOne for travel or dire emergency. Everything is debit or cash. I hate owe ing money.
ReplyDeleteHmm, @Maria says in one comment that she only has a debit card, and in the next comment that she has survived without a bank account for five years.
ReplyDeleteAm I missing something? Is your debit card not connected to a bank account?
@Prunella Exactly Prunella! The debit cards is not connected to a bank account but to a postal service account, that's not attached to any financial service. When I need to make a deposit to my debit card I go to the postal office with cash and charge it on the card, no bank involved. I’m in Europe, Idk if that kind of service exists in the States.
ReplyDeleteMaria...yes, they do have them here in the states. A rechargeable debit card. Many companies are starting to pay their employees this way in lieu of a check or direct deposit to the bank.
ReplyDeleteAlso in many states such payments as child support payments, unemployment insurance, and FSA are loaded onto a debit card not connected to any financial institution.
I don't get the point of having more than one. I don't even have a credit card, I use debit because I don't see why people want to get themselves in debt!
ReplyDeleteThere's a very good reason to have a credit card, and to use it. It builds up your credit rating. If you ever need to make a major purchase that you can't pay for all at once (such as a house) you will get financing at a more favorable interest rate if you have a good credit score.
ReplyDeleteThe way credit scores are calculated, they look at your outstanding debt but they also look at what percentage of your available credit you are using. That percentage should be 15% or lower. So if you have a $1000 credit limit, you should keep your balance no higher than $150.
Some people charge all their purchase on their credit card and then pay it off every month. That's because some credit cards give you cash back or frequent flyer miles for every dollar you spend.
HOWEVER, the thing to remember is that your credit rating is based on the balances that the credit card companies report to them. So let's say you have a $1000 limit, you charge it up to $1000 every month, then you get your statement and pay it all off. To the credit rating companies, because your statement shows you always have $1000 of debt (100% of your limit) that is bad for your credit rating. Even if you pay it off every month - the credit bureaus have no way to know that.
So, the thing to do is to charge stuff on it then pay it off BEFORE your statement closes, so that it closes with a low balance.
That way you get credit for HAVING credit and for using it wisely (the companies report your on-time rate too) ... and you also look like you don't NEED it. Yup, people who don't need it are more likely to be offered it.
I have heard that American Express is the worst kind of card to get because it theoretically doesn't have a limit, so it screws up your percentage calculations. I dunno.