Janet
Are you shopping with a credit card?
by Janet
November 12, 2012 at 11:01 AM

 

Replies

  • lillucky8
    November 14, 2012 at 9:25 AM
    Online i only use my credit card in case of vandalism it wont effect my bank acct
  • Janet
    by Janet
    November 14, 2012 at 9:27 AM

     There are different keys to good or great credit. Pay all bills on time, don't have too much credit, etc....

    Quoting Kris_PBG:

    I have payed off my credit cards in full every month for the past 15 years +.  I have a credit score over 800.

    The key is to take out credit and pay it back.  There is no need to waste your money running a balance and paying interest .

    If you regularly use credit and re-pay credit on time your credit score goes up.

    Quoting Janet:

     It came from the experts mouth.

    Quoting Kris_PBG:

    Quoting Janet:




    No you do not - that is a myth.

     

     

     

  • splatz
    by splatz
    November 14, 2012 at 11:08 AM
    My credit is already destroyed thanks to my ex husband. I rather not pay $10 a month for a credit card that I don't use. They have horrible customer service as well and have started coming up with all sorts of fees.

    Quoting Janet:

    I heard cancelling is bad for your credit too.


    Quoting splatz:


    Nope! I paid mine off a few months ago. I just need to cancel it now. I keep forgetting... I should do that today.


     

  • Janet
    by Janet
    November 14, 2012 at 11:24 AM

      Get rid of them!

    Quoting splatz:

    My credit is already destroyed thanks to my ex husband. I rather not pay $10 a month for a credit card that I don't use. They have horrible customer service as well and have started coming up with all sorts of fees.

    Quoting Janet:

    I heard cancelling is bad for your credit too.


    Quoting splatz:


    Nope! I paid mine off a few months ago. I just need to cancel it now. I keep forgetting... I should do that today.


     

     

  • delanna6two
    November 14, 2012 at 1:08 PM

    No

  • splatz
    by splatz
    November 14, 2012 at 1:20 PM

    Exactly! :) It would be different if I didn't get charged their new monthly member fees. 

    Quoting Janet:

      Get rid of them!

    Quoting splatz:

    My credit is already destroyed thanks to my ex husband. I rather not pay $10 a month for a credit card that I don't use. They have horrible customer service as well and have started coming up with all sorts of fees.

    Quoting Janet:

    I heard cancelling is bad for your credit too.


    Quoting splatz:


    Nope! I paid mine off a few months ago. I just need to cancel it now. I keep forgetting... I should do that today.


     

     


  • Kris_PBG
    November 14, 2012 at 5:23 PM
    Quoting Janet:




    To be dead honest, I was shocked when I saw how high it was!

    Dh's was about the same! (I pay all if his bills too!!!!)

    Talk about a happy surprise!
  • MistressMinerva
    November 14, 2012 at 5:50 PM

    Just my debit/check card.

  • JoaquinsMommie
    November 14, 2012 at 5:56 PM

    Nope Just MONEY

  • DixieFlower
    November 14, 2012 at 8:06 PM

    No we won't. I see no need to buy on credit.