Credit Cards

[Josh!]

So how many of you have a credit card. I just finished paying mine off, for all the stuff I had to buy during my 1st semester of school

[scottish]

I doubt many people have one or have a need for one.

I've never had one and don't plan on.

[Jake]

I do, biggest mistake ever. I Have £4000 left on credit cards. Thankfully £3000 is interest free.
I always thought to myself 'I'll just use it for petrol' never happened and i went on a shopping spree. Realised the mistake i made and took out 3 0% balance transfer cards and put most of it on them. 1 year on and i have £4000 left.
Completely advise against them unless you are extremely careful and have a low limit on them.

[Brad]

I've had two so far... One i cancelled after paying off, and I still have one for emergencies

[Josh!]

I do, biggest mistake ever. I Have £4000 left on credit cards. Thankfully £3000 is interest free.
I always thought to myself 'I'll just use it for petrol' never happened and i went on a shopping spree. Realised the mistake i made and took out 3 0% balance transfer cards and put most of it on them. 1 year on and i have £4000 left.
Completely advise against them unless you are extremely careful and have a low limit on them.

Yeah my credit limit is $1,000 I could of had more but what is the point. My interests is 9.3% as a student. I did my CC via my bank and if I didn't it would 20%

[Meanies]

Never have and probably never will! At the moment any spare money is going into a savings account so if there is something that crops up, the money is there to be used and in the meantime it's earning a miniscule bit of interest.

[Rachel]

I paid mine with a limit of 4000$ (15% interest) and now I only use it ONLY when I really need it.

[lawrawrrr]

I have one and I use it regularly but only ever buy things I know I will be able to pay off at the end of the month. I don't NEED to delay that payment but I want a good credit history and not having a credit history does not equal good credit history!

[thms]

i do not have one and prob never will

[Phil]

I don't have one and I don't have any intentions on ever getting one