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Old 07-25-2002, 11:50 AM   #1
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How Many Credit Cards Do You Have?

I only have four-from the major companies. I have no store credit cards, because I know it would be far too tempting for me. I figure if I can't afford to pay for it now, I probably shouldn't buy it.And everytime I go into any store now, it's the constant sales pitch for their store card, and 'instant credit'.

Credit card debt scares me- I try to use mine only for certain things you need them for, like online ordering and travel, and of course concert tickets.

And credit card companies make me I always pay my bills on time, but I'm sure the first time I don't they'll be all over me like white on rice.
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Old 07-25-2002, 11:52 AM   #2
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I only have two. One is just for emergencies, though, or if I fly to visit my parents or something.
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Old 07-25-2002, 11:53 AM   #3
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I have two and I have learned that I should not use them. Mainly because I am terrible about remembering to pay bills and then get in trouble with the company and wreck my credit rating. I finally paid off my spontaneous U2 expenses (Boston 4 took a big chunk) and since then I haven't used them at all. I keep them around for security in travelling, in case I were to run out of money, but other than that I prefer to use my debit card. At least that way I know I can afford it. lol.
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Old 07-25-2002, 12:04 PM   #4
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Normal I hate bills

I have two but one is never used.. just as overdraft protection for my bank account.

I would never get store credit cards and I will never understand why people have more than 1 or 2 credit cards. I mean you can use one credit card for everything right??
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Old 07-25-2002, 12:08 PM   #5
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I don't trust myself
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Old 07-25-2002, 12:10 PM   #6
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Quote:
Originally posted by Basstrap
zero
I don't trust myself
I never wanted one, but I had to get one so I could build up a credit history. For some reason that I can't understand, no credit history is apparently worse than a bad credit history.
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Old 07-25-2002, 12:11 PM   #7
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true!!
*runs out to get credit card*
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Old 07-25-2002, 12:13 PM   #8
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I have one credit card. I'm only 20, and I wanted to build credit, so I got a credit card about a year ago. I only charge things that I know I can afford, and I pay off my balance every month.
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Old 07-25-2002, 12:29 PM   #9
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Normal i have no self-control

One, but I've banned myself from using it.
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Old 07-25-2002, 01:43 PM   #10
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i have two. i also have a gas card, it's fun.
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Old 07-25-2002, 01:55 PM   #11
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Old 07-25-2002, 02:01 PM   #12
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one , but there is only 32$ on it and i'm currently unemployed RRRRRR
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Old 07-25-2002, 02:28 PM   #13
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I have two. I find it better than having just one because I like to pay all my balances off in full and having two credit cards makes it easier for me to pay them off right away.

Sounds like it's the same thing as having one card but if they both have a balance of say $300 bucks on each, one is due mid-month and the other is due at the end of the month so the payments are split. If they were both due at the same time then it wouldn't make a difference but since it's otherwise I feel it easier to pay them off.

I used to have alot of store credit cards but when I got engaged and we started looking for a house I cancelled all of them. The two that I have now are considered liabilities on my loan application, imagine if I had all of them still!!!!
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Old 07-25-2002, 02:53 PM   #14
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3 major ones: Visa Platinum, Mastercard, and Discover Platinum.
A couple of Dept. Stores: Macy's and Filene's...which usually get used only around Christmas.
I always pay my balance, so I find them a useful tool, but you do have to be very careful not to overspend just cause you have credit cards.
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Old 07-25-2002, 03:06 PM   #15
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I have one and I try to only use it for stuff that I really need to like online ordering and stuff.
I do find myself getting very tempted by stuff though and have to keep very strict control over myself so I dont buy it on the credit card.
I would never have store cards as I couldnt trust myself.
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