are you in debt with credit cards?

• Answers (46)

  Answered at 11:50 PM on Nov. 22, 2008 by: Anonymous
  
  just about everyone is - i would not file bk - always work out what you can with credit card companies, they want to get paid like everyone else - just never tell them you cannot afford paymetns - ask more for lower rates - or transfers - move the money around for lower rates
• Answered at 7:42 AM on Nov. 23, 2008 by: Anonymous
  
  we have about 3k now. we keep up with the payments. actually it is mostly from auto repairs this year.
• Answered at 8:00 AM on Nov. 23, 2008 by: cameron536
  
  yes ,,,,,,when gas was up we charged everything else,,,horribble debt ,,,,,,we cant even take our annual FL trip,,,,,,,i keep saying as long as we have a roof and food we are o.k.....
• Answered at 8:12 AM on Nov. 23, 2008 by: Anonymous
  
  Close to $100K!
  
  We are actually going thru bankruptcy right now!
  
  Our family business killed us this year due to all the rising costs of running it so we charged everything hoping and praying that things would turn around! They haven't and we are so far into debt there is no other way for us to get out of it.
  
  To top it off, I can't even find a job! Thank goodness for food stamps, wic and free medical thru the state! If it wasn't for these things, we wouldn't be able to survive right now!
• Answered at 8:36 AM on Nov. 23, 2008 by: Anonymous
  
  Dont Have one, dont want one, dont need one, I think its such a con. You are buying things you cant afford to just pay for later and then you never pay the card off.. My husband and i both hate credit cards. If we cant afford something we dont buy it. We save money.. Even if its just a doller one month and $500 the next. We survive.. I do unserstand when its needed but thats just the way we live our life... Good Luck to you guys though!!
• Answered at 8:46 AM on Nov. 23, 2008 by: moviestartaal
  
  Yes Lawd
• Answered at 8:51 AM on Nov. 23, 2008 by: sunshine21pa
  
  Not anymore. Now a year ago was a different story. We finally got everything paid off. Its def a good feeling!
• Answered at 8:53 AM on Nov. 23, 2008 by: busybee68
  
  Nope! I was raised "if you don't have the cash, you don't need it" of course at the time I didn't appreciate the saying however it sure has helped in an economy such as the one we're in. Good luck to ya!
• Answered at 9:04 AM on Nov. 23, 2008 by: Dianneakamommy
  
  I am. It is so easy to say if you don't have money don't by it. Well My car broke down and needed repairs. I did not have almost 2 thousand dollars laying around to fix it. So it went on my CC. All together we are about $3500. Not bad. We messed up when we where younger. Had horrible interest rates. But I do not regret it. If we didn't have those CC we would not have the credit that we do now. Which is in the excellent bracket.
• Answered at 9:07 AM on Nov. 23, 2008 by: Anonymous
  
  Nope. We use credit cards, but we pay them off in full when the bill comes. They actually pay us because we earn "cash back" for using the card. We use it for a year (paying in full each month) and then cash in the "cash back" and go on vacation or buy something we want. We have 2 cards and after a year, we end up with about $300 cash back on each one ($600 total).

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