How much do you owe on your credit card?

[winneythepooh7]

I owe a little over $3grand and I feel like that's a huge debt. I am curious to know if there are others who owe much more than that. It might make me feel better!!

[coll214]

LOL then rest assured winney, i have 3 times that...though a little over $3500 is for school which i'll hopefully be reimbursed for!

[beeblebrox]

I have about $200 or so. I'm using it more with the points and paying it off every month.

[jrwilheim]

Among three cards, I have about $600 in debt right now. Once I'm back to work (which, God willing, will be soon), I'll focus on paying it off. I'm focused on paying off one of my secured cards soon so I can get my $500 security deposit back.

[yankeeyosh]

Sorry...mine is usually only $200 to $400 (it's about $20 now since I paid it off yesterday, then went food shopping). I rarely use my card, though, although I have used it at a measured pace more during the past month.

[SunDevil]

I use my debit card for most purchases, but I think it is $0 on one I haven't used since September, and $109 on my gasoline/on-line card. In the next week or two, I will be spending a few thousand (~$3500) on a business trip I will get reimbursed for.

[capella]

I can make you feel better Winney. I have 1100 on one (school stuff such as classroom books (nearly 900 of that 1100) and other supplies I needed to do my friggin' job right. That card had been paid off for about a year until this summer. Then I have another with 2500 on it. That's been run up for a long while (I believe I still have some college textbooks charged on that and moving expenses from when we came to florida 2.5 years ago). Wonderful.

S has one with 6100 on it. Most of that is from the yard fiasco this summer. It was literally one thing going wrong after another. Houses are expensive.

[awhitmer83]

I'll make you feel better, winney. :p I am about to be discharged from Chapter 7 bankruptcy, and included in that was $18,000 in CC debt. I accumulated that debt in 5 years of living on my husband's income while I went to school, and it's totally separate from all my student debt.

However, now I have no credit cards and never plan to again, plus I don't have to spend years paying off the debt, so I'm not sad about it. CCs can burn you if you're not careful, but I don't consider $3000 an impossible amount.

[NewMrs.]

I had never carried a balance on my credit card when I got married.

However, my husband had $12,000 in credit card debt when we got married this past spring. I knew about this coming into the marriage, but doesn't mean that I am happy about this. It has already been the cause of several tension-filled discussions among us. I get upset because I was able to live credit-card-debt-free on a smaller salary, while he brought home a much larger salary and still managed to rack up this debt. I know that before he met me he liked to go out to eat with a group of friends and then pick up the tab for the entire group. I think that he did this alot. I am kind of bitter about this, because now I am helping him to pay for this. I am also upset sometimes about a loan he made to his sister that she didn't really pay back. My advice to anybody getting married is to fully understand and thoroughly discuss finances with your SO.

I know that I am really lucky, because after the wedding we were able to pay off $3,000 of his credit card debt. (Before the wedding, I paid $500+ and ultilities to rent my own apartment. After the wedding, we took the money that I would have spent on my rent and applied them to the credit cards.)
Apart from the cc debt, we are in decent financial shape. I just finished paying off my car loan and our combined student loans are less than $10,000 total (we both have bachelor's degrees). However, he knows that I do not intend to get pregnant until the credit card debt and student loans are completely paid.

[Suidoken]

I was smart enough not to get multiple cards and run up huge debts. Right now I'm only running one credit card. I'm carrying about a $3,500 balance. I think there are various factors which dictate whether this is good or bad. Age is one. I'm 26 and am in my career. My monthly payment on the card goes from $60-$75 a month. It's not crippling by any means but I will say I don't feel bad about running the debt up because there were times when that credit card fed me when my bank account couldn't.

[ocean24]

About 3,000 as well.

[sondra_finchley]

Ive got about $6000 at the moment on one card (and a whole $60 on a store card I only took out to get a discount that day since I never use store cards anyway). Most of that is due to the past year of travelling and then I had to buy a laptop all of a sudden two months ago when I got home and my desktop took a dive. There are some tuition fees on that too. Not too worried about it ( though I dont like it)- soon as I get a job I have a realistic plan worked out for how much I will need to put down on it per month to get it cleared out in 12-18 months. Its handy to have, but I hate feeling indebted though too. No car loan, and thats my only credit card, and the payments are perfectly manageable at this moment in time.

[MrNCG23]

Around 500 or 600 each month. I always pay it off, I just use credit card to accumulate bonus points for things I would buy anyways.

[winneythepooh7]

Well these aren't for fun purchases. Mostly from when my dog got sick this summer, and car related repairs. In college so very long ago I learned my lesson about how credit cards are not really "free money". I ended up having messed up credit around 1998 when I graduated and ended up doing a debt consolidation. My credit is really good now however. I feel a little better though that I am not the only one with a CC debt!

[pisces2473]

My last bill was pretty high, the highest ever I think--$2100! It was a few Target trips for stuff for the house, a "concierge" doctor's bill, our new bed, and C's birthday dinner. I paid off about $1700 this month...thanks to C chipping in for 1/2 the bed :) So only about $400/500 to go? That'll take some time though...

[redav]

My advice to anybody getting married is to fully understand and thoroughly discuss finances with your SO.


This is very wise advice.

[CityGal]

This is very wise advice.
Do you think that if you would've signed a pre-nup stating that any debt and/or money incurred prior to the marriage is the sole responsibility of the that person...only the debt/money during the marriage counts....you would've been free of this debt? I hope so.

[CityGal]

To the OP, I recently paid off my CC but when I signed up for a class had to pay 575 dollars and did the magic swipe. Right now I am down to about 275....mostly bc the only charges made to that card are my gym memberships...so that's why it really seems like the bill isn't decreasing. anywhoo...this is my only card besides my debit.

[SmilesSoSweet]

I remember a few months ago posting a thread about how I was debt free (other than my student loans).

That "debt" free period lasted for a good two weeks! LOL

My CC debt isn't too bad though, but that's because my CC's limits are fairly low. I have about $350 on my mastercard right now (from two rental cars, a MOH dress, and leftover air fare for my Hawaii trip) and about another $350 on my BestBuy card for my iPod and its accessories.

I haven't even done any Christmas shopping either, so that will be added to my CC once I'm done. I'm not doing too much shoping this year because of my trip, but I still need to get gifts for my family and a couple friends' kids.

I did get my holiday year-end bonus, and I think almost all of it will go towards my CC debt.

[winneythepooh7]

My SO and I pay our own debts. It just seems weird to me personally to be like, oh, give me some money towards my student loans. I am sure he would give something if asked, it just seems weird personally to me. Probably since I've been living on my own and paying my own bills since 18.

We will figure it out though.............

[GoogleGirl]

Yea, my CC debt is pretty manageable. I have a little less than $300 on my only CC, and half of that is from graduation pictures that my mom just had to have. I should be able to pay off my CC by the end of this month. Only to begin the cycle again since I won't have a job anytime soon. (sucks to graduate college for this reason. :frustrate )

[pisces2473]

Ha Winney, I was thinking the same thing about the debts...I almost started a thread last night...hmmm, maybe I'll do that now.

[meatwad]

About $130.

[EmberMae]

None. Well...I owe discover card 1000 but that's just what I've charged this month, I'm going to pay it off as soon as the bill comes. don't be alarmed, we put everything on the card for the cash back bonus--phone bill, internet bill, gas, food and this month a bunch of christmas stuff.

My fiance had about 5k in cc debt earlier in the year, but we sacrified and got it all paid off by september. Although had I known at the time the interest rate he was paying on his car loan, I would have focued on that first, because the credit card rate was only 5%. I was just resting on the assumption that credit card debt is worse than car loans.

[winneythepooh7]

Question:

With all my credit cards (I only use one) I have a REALLY high credit limit. I have no plans on using the other cards, but doesn't having them open count against you? I am just thinking ahead towards a year or so from now if we ever decide to look into getting a mortgage.

[WorkInProgress]

Question:

With all my credit cards (I only use one) I have a REALLY high credit limit. I have no plans on using the other cards, but doesn't having them open count against you? I am just thinking ahead towards a year or so from now if we ever decide to look into getting a mortgage.

I think so (at least I recall hearing that "too much" credit isn't good, but I'm not exactly sure how much is "too much"), but I'm not the most knowledgeable person on this topic.

[MetFanL]

You guys don't want to know how much I have. Let's just say that I pay about $500 a month and it'll take me about 4 years to pay it all off. Some of it is from trips that I couldn't afford, some is from having to purchase new clothes as my weight fluctuated, and some if from my MBA.

I've consolidated and I'm on a payment plan, but nothing that's gonna change my lifestyle. The guy I'm seeing just gave me a speech about it on Saturday and he might help me pull it together, but, quite frankly, I just don't stress about money the way I *should.* I mean, I pay WAY too much in taxes, so I should do things to get more deductions, but I'm not that concerned about it. I guess, to be perfectly honest, I hope that my SO will be more money-minded so I can continue to not worry about this kind of stuff. I'm too busy having fun.

[AshleyJordan]

I owe nothing-- but I do make it a point to use each card a little bit (maybe a couple hundred dollars a month) for purchasing clothes or entertainment, and then pay it off in full. It's my understanding that doing so improves your credit score-- if nothing else it's greatly increased my credit limits.

[pisces2473]

I owe nothing-- but I do make it a point to use each card a little bit (maybe a couple hundred dollars a month) for purchasing clothes or entertainment, and then pay it off in full. It's my understanding that doing so improves your credit score-- if nothing else it's greatly increased my credit limits.
Yup, that's how I've gotten my INSANELY high credit limit. Like 50K. If I can't pay the entire bill off, I do my best to get the most paid in one shot.

[Kitty]

You guys don't want to know how much I have. Let's just say that I pay about $500 a month and it'll take me about 4 years to pay it all off. Some of it is from trips that I couldn't afford, some is from having to purchase new clothes as my weight fluctuated, and some if from my MBA.

I've consolidated and I'm on a payment plan, but nothing that's gonna change my lifestyle. The guy I'm seeing just gave me a speech about it on Saturday and he might help me pull it together, but, quite frankly, I just don't stress about money the way I *should.* I mean, I pay WAY too much in taxes, so I should do things to get more deductions, but I'm not that concerned about it. I guess, to be perfectly honest, I hope that my SO will be more money-minded so I can continue to not worry about this kind of stuff. I'm too busy having fun.

Oh, so you decided to consolidate?

I also consolidated all my cc debt, so technically I have none and I'm just paying on a 2 year loan.

[AshleyJordan]

Yup, that's how I've gotten my INSANELY high credit limit. Like 50K. If I can't pay the entire bill off, I do my best to get the most paid in one shot.

How long did it take you to get to such a high limit???

[Skyblade]

I don't have any credit card debt. I have a student loan and car loan though. And for awhile I carried a balance on my Best Buy credit card (but it was no interest for 18 months and I paid it off before the 18 months was up).
My SO is super bad with his credit cards...I don't even know what he owes (and probably don't want to know). We don't plan on getting married in the near future but it would definitely be a huge concern for me. My brother is also really bad with credit cards and my mom told me he racked up $9,000.

[pisces2473]

How long did it take you to get to such a high limit???
I'm talking just Visa and MC. Let's see...I got my first cc as a freshman in college, and the next one a few years later. So 1998 to now, that's almost 9 years.

[SmilesSoSweet]

I'm talking just Visa and MC. Let's see...I got my first cc as a freshman in college, and the next one a few years later. So 1998 to now, that's almost 9 years.

I got my first major cc in 1997 and my next one two years later. Both of them combined have a $3000 limit. ($1k on my visa, $2k on my master card) I don't want anymore than that, though I'm sure if I asked my credit union (that's who I have my cc with) then I'm sure they could raise my limit. My interest on both cards are really low too. I think they're at 7.9%.

My Best Buy and Lane Bryant cards have higher limits. I didn't ask for them, they just gave them to me but I've never gotten close to maxing out either cards.

[Kitty]

My combined total credit limit is around 40k. But, it's spread out on like three cards.

[Suidoken]

Yup, that's how I've gotten my INSANELY high credit limit. Like 50K.

And I thought I was big balling with an $7500 shaws jewerly card lol. By the time I get a 50K limit I won't need it haha. Where are all these high limits when you are broke?:mad:

[Kitty]

Yup, that's how I've gotten my INSANELY high credit limit. Like 50K.

And I thought I was big balling with an $7500 shaws jewerly card lol. By the time I get a 50K limit I won't need it haha. Where are all these high limits when you are broke?:mad:

If your broke, why would you want or need high limits? sounds dangerous.

[pisces2473]

If your broke, why would you want or need high limits? sounds dangerous.
Seriously! Just because I HAVE a high credit line, doesn't mean I'll ever USE all of it. What am I going to do, tell the companies to take it away? I don't really care. I have it, I know it's there, I don't use it. It's about being prudent and not falling into temptation. The companies are trying to tempt me but I will not fall prey to their tactics. LOL

[Suidoken]

On how you use the money. There were situations when I was say 20 or 21 that I couldn't afford my bills and credit literally bought grocerys. High credit lines means you can consolidate debt into one payment without hassel.

I heard of something I found interesting where you pay all your bills on credit and then just pay in full at the end of the month. Sometimes bills are higher than usual which can mess up checks. What are the chances of your monthly bills being higher than your credit limit?

Although I read a book on credit by Des Evans which said holding that kind of balance month to month and paying it off isn't as positive as people think. The credit system is all jacked up.

I am by know means broke :D

[redav]

Question:
With all my credit cards (I only use one) I have a REALLY high credit limit. I have no plans on using the other cards, but doesn't having them open count against you? I am just thinking ahead towards a year or so from now if we ever decide to look into getting a mortgage.

Yes and no. While you do have a credit score (calculated using a formula created by Fair Isaac & Co., known as FICO credit score), not all companies use that formula. Some companies look for specific things in your credit report rather than an actual score. Thus there is sometimes some gray space regarding credit decisions.

Here are some universal rules:
- Paying all your bills on time is VERY IMPORTANT
- The longer your accounts have been active, the better.
- The lower the percentage of credit you are using that is available to you (balance / limit), the better.
- Different debts are viewed differently. The worst is revolving credit card or store accounts, since these are the easiest to abuse. Installment loans, like car, furniture, or student loans are better. Likewise, a mortgage is also good for your credit. - Applying for credit more is bad, since it implies that you may be about to go on a spending spree. Therefore, if you do get a mortgage, sign it before buying furniture, a car, going back to school, getting another CC or dept store card, etc.

Here's the gray area:

When evaluating credit worthiness, what companies want to see is that you are responsible, thus having a low probability of "going wacky" in the future. (Yes, that is a precise and highly technical term).

So, would a responsible person have more than one CC? Yes. Would he/she have 15? Probably not. My guess is the sweet spot is around 3. (However, if you have many and cancel them, then your history gets shorter. Likewise, it will reduce your total limit, which increases the percentage of credit you are using. Both of these can be bad, but the net effect is dependent on how important a company views each variable--see the grayness?)

Likewise, how much total credit is right? Having too low of limits makes it look like other companies don't trust you with credit (so why should they?), but too much provides the chance to go REALLY wacky before maxing out. A responsible person would have enough to cover their emergencies. Personally, I don't like to have limits over a few thousand per card (that's enough to cover most emergencies not covered by insurance, but not so much that fraud or temporary insanity can completely destroy my future).

If you are concerned about getting a mortgage in a year, you could call a mort. company and ask them what they look for in credit histories. Then, I'd make the changes now, so that there's lots of stability (no changes) in the time prior to getting the mortgage.

[spiritedaway]

Wow, that is a high limit! Have you also heard about the no preset-spending limit deals that credit cards are coming out with? Anything you charge above and beyond your credit limit, you have to pay back in full at the next statement, but technically, there's no "preset limit". I have one of those, but the 50K limit credit limit is so much cooler in that sense that you don't have to pay it back in full immediately (not that it's a smart idea to charge up to the max credit, but just saying). :p

I generally don't feel all too comfortable carrying a card with too high of a limit, in case I lose it or something, but it can come in handy when you need it.

I'm talking just Visa and MC. Let's see...I got my first cc as a freshman in college, and the next one a few years later. So 1998 to now, that's almost 9 years.

[pisces2473]

The max I've had on my credit card was about $3500. Just because I have $50K limit doesn't mean I need to abuse it.

[old_school_soul]

I carry no CC debt.

[weary]

I carry no CC debt.

ditto. got rid of ALL the cards a few years ago.

but at my highest point i think it was maybe $8-10k or so.

[Ciderhillnh]

I have one credit card with a $4400 limit. I have store cards but if I use any of them I pay off the bill as soon as it comes in.

I just paid off $1600 worth on my credit card, and now carry a $1400 balance. Min $50 payments per month. I plan on continuing to pay what I was when I had more on the card (its now built into my budget) and it will be paid off shortly.
I also plan that my return from taxes and any money I might come into for Xmas (doubtful) will go towards it as well.

[pisces2473]

ditto. got rid of ALL the cards a few years ago.

but at my highest point i think it was maybe $8-10k or so.
What do you do when you have to reserve something with a CC?

[WorkInProgress]

What do you do when you have to reserve something with a CC?

Most of the time they'll take a debit card.

[pisces2473]

Most of the time they'll take a debit card.
Ah true. But I couldn't do that...I don't always have enough $$ IN my checking acct to cover something.

[WorkInProgress]

Ah true. But I couldn't do that...I don't always have enough $$ IN my checking acct to cover something.

After an expensive business trip (pre personal or business CC), I decided I needed to get a CC to put that kind of thing on. It was bad, I had to ask my mom to spot me a few hundred bucks until the reimbursement came through, otherwise I'd have been screwed. Moral of the story: it's doable without, but sometimes a CC is just a better option.

[weary]

yup...like WIP said, debit card.

i don't like to keep a lot of cash in my checking account...so when/if i know i'm going to have to use the DC in place of a CC i'll have moved some $ around first. also, when holding something like a hotel or rental car reservation, they don't usually take the actual $ out, so sometimes it's o-k for the "hold"...they just seem to want a #. i always ask though, b/c one time they did actually do the authorization/$ hold...and i was PISSED. cleaned me out! :mad: :0 :rolleyes:

[cache]

...when I rented a car they wouldn't take debit

[weary]

After an expensive business trip (pre personal or business CC), I decided I needed to get a CC to put that kind of thing on. It was bad, I had to ask my mom to spot me a few hundred bucks until the reimbursement came through, otherwise I'd have been screwed. Moral of the story: it's doable without, but sometimes a CC is just a better option.

yes, for this reason, i am considering getting just 1 CC. i will NOT use it unless i have to though.

(sounds good in theory, don't it?!)

[WorkInProgress]

...when I rented a car they wouldn't take debit

On the aforementioned CC-acquisition-spurring business trip, they said they didn't take debit, but in actuality, they did. And they didn't give me grief over it either.

[SmilesSoSweet]

...when I rented a car they wouldn't take debit

My debit card can only be used as a credit card when I buy things. I can't get cash back from it (which I don't mind). So anytime a place asks for a credit card I can easily use my debit.

Though every time I do rent a car I tend to use my CC. I have seen posted signs at car rental places that say they don't accept debit cards.

[WorkInProgress]

yes, for this reason, i am considering getting just 1 CC. i will NOT use it unless i have to though.

(sounds good in theory, don't it?!)

Ah, see I use mine but pay it off every month. (Which works nicely because then if I absolutely, positively needed to, I could carry the balance and still have access to my money. Few things are as embarrassing as trying to buy groceries with no money.)

[weary]

Ah, see I use mine but pay it off every month. (Which works nicely because then if I absolutely, positively needed to, I could carry the balance and still have access to my money. Few things are as embarrassing as trying to buy groceries with no money.)

yeah, i've been through enough financial life lessons to know that that's how you have to do it. i just don't like credit cards, or most kinds of credit now that my beliefs about spending/managing money have changed. but i'll probably still get one "just in case", and it'll have to be one that has some sort of rewards and/or mileage (arline) prorgram.

oh, and i'm housing/feeding a nearly 6-foot hormonal teenage boy...i can't EVER be w/o groceries!!!

[beeblebrox]

Mine's gone up with holiday shopping season. So many extra expenses that I wasn't expecting. After the holiday season and paying it off in full, I'm cutting down on my use for a little bit. I'm still using my for groceries, meds, and transportation, but right now I feel tapped out of money these days. The nice thing with mine is that I got 10,000 bonus points for joining which will go towards a $100 Target giftcard which I use on food staples.

[BLK95TA]

i have one w/ $495 on it @ 11%

and another with $9300 @ 3.99%

[jrwilheim]

i have one w/ $495 on it @ 11%

and another with $9300 @ 3.99%

Whoa...how'd you get a card down to 3.99%? I thought I was slick when I got one down to 5.9%.

[BLK95TA]

QUOTE=jrwilheim]Whoa...how'd you get a card down to 3.99%? I thought I was slick when I got one down to 5.9%.[/QUOTE]

well, it has to do with checks mostly...


back in 2004 i bought a car for $6000 on a credit card with a 4.99 percent interest rate... at that time i had ~ 2500 on another card i was paying down.....i was also paying $800 a month rent on a $29k a year salary in south fla so i wasnt really paying a lot on the balance (minimum or slightly higher)

fast forward to 2005, i quit my $14/hr job to take a $18/hr job and was let go 6 weeks later. i decided to move to az and took another $5000 advance on the card with the car (so now i was up around $12k, and the interest was ~ 6.5% between the car, the cash advance @ 4.99 and some high interest stuff from 2003 (took a $200 cash advance @ 20% in an emergency, then bought the car later, DOH)

anyway i paid off the other card with $2500 of the $5k, and then because when i moved to AZ and got a job where i had to drive my own car and they werent paying me dick for mileage, i bought a beater car to keep the miles/wear and tear off of my Trans Am, i had that debt of $1700, and paid that off within a few months and was prepairing to pay down the $12k card (i was living with a friend and paying $500/mo rent so i had an extra $500+ a month for debt reduction) as soon as i paid off the car, i ended up quitting that job cause i was going to be fired, then i had to move cause my roommate was being deployed, so ended up going from $16.50 an hr paying $500/mo rent, to $15/hr paying $965 including utils. so there went all my debt money...... then i got a kickass job making $28 an hr, and in 1 months time paid off about $1000 in CC debt between the $9300 card i still have, and the $1100 card for an emergency A/C repair i had to make on the T/A...

so while this was happening i had written the card over to a 0% card to get rid of the higher interest stuff in the background, it was there for 6 months and right before it was to expire and go to a regular 11% rate, i used another check and put it back on the card it was on, which gave me 3.99 for life.


so fast forward to now, the $1100 card is now $495 and was almost paid off right before my layoff, and the $9300 card WAS going to be gone in 10 months (i was literally going to pay $1000-$1200 a month on it)

but now that i got laid off from my $28/hr job, and am unemployed, im gonna be lucky if i dont miss a payment on that $9300 card and kick the interest up to 32%... if that happens i will probably consider chpt 7 at that point

it has not been a good few years for me.


everyone says i shouldnt own such an expensive car (well $6k, but its not the most thrifty car) but as sad as this sounds, my car is my life, ive made friends at car clubs and events and stuff and that stuff is about the ONLY thing i do for fun.

http://memimage.cardomain.net/member_images/2/web/2066000-2066999/2066627_26_full.jpg[

[Millenial]

i owe nothing on my credit cards. i do owe a lot in loans though lol.

[Millenial]

Seriously! Just because I HAVE a high credit line, doesn't mean I'll ever USE all of it. What am I going to do, tell the companies to take it away? I don't really care. I have it, I know it's there, I don't use it. It's about being prudent and not falling into temptation. The companies are trying to tempt me but I will not fall prey to their tactics. LOL
Yeah exactly, I don't fall for their crap. I just got a 15k credit card offer from USAA. I am only 23. I learned to start out with a crappy student card and work my way up. I have no credit card debt.

[LaFille]

i feel a lot better knowing other people are carrying some CC debt as well!

i have about 2800 on my card. I'm hoping to pay this off by my birthday in May. I never use the card anymore, except to pay my cell phone bill (somehow it got automatically set up like that when i bought the phone.) last year was a big financial setback for me, but now that i am on my feet a little more i don't need the card.

i also owe my parents 2k for a car loan, but this is interest free. i'm hoping to pay that off by the summer.

and then there's my 20k in student loans.

[pisces2473]

and then there's my 20k in student loans.
So let me guess, you hang up when our alma mater calls asking for more $$? :p

[summer rose]

1600 @ 0% until November '07
1400 @ 0% until October '07

I was debt free until I had to do my internship to become a Registered Dietitian. At the moment I am taking graduate courses and working as an intern 32 hrs/wk which leaves me no time to work enough to cover living expenses. Unfortunately I have to use my cc to fill in the gap until I am through which is in June '07. My plan is to keep my money on these 0% cc until they expire and then transfer them onto another 0% cc so I do not pay interest. When I'm through with my internship I will pay it off in a max of 12 months (by then I figure I will have 4.5k in cc debt). I know it will screw up my credit but, right now its more important to me to not pay interest plus, I am not even looking to buy a house for another 5 years so by then my credit should be stellar again.:D

BTW: I am talking about paying off my cc debt plus my student loan debt of 13k I inherited w/the internship, in 1 year. I think that is doable.

[LaFille]

So let me guess, you hang up when our alma mater calls asking for more $$? :p
ha ha, they haven't even bothered calling me yet, whatever that means! but i get things in the mail all the time.

btw, i totally was one of the students who did that calling as a random part time job. my roomate and i did it until we made a little bit of money and then quit. hey, free pizza!

[pisces2473]

ha ha, they haven't even bothered calling me yet, whatever that means! but i get things in the mail all the time.

btw, i totally was one of the students who did that calling as a random part time job. my roomate and i did it until we made a little bit of money and then quit. hey, free pizza!
They STILL call my parents. 5 year reunion this June, and they are still bothering the parents of alumni. Whatever. :rolleyes:

I did the calling once, for an alumni volunteering thing. It was so lame. No one was home, one kid yelled at me b/c of the school cutting the baseball team, and I wouldn't call the people who I personally knew. LOL

Didn't they feed you Ronzio? That's one step up from Dominos!

[Josie]

I have one credit card with a $4400 limit. I have store cards but if I use any of them I pay off the bill as soon as it comes in.

I just paid off $1600 worth on my credit card, and now carry a $1400 balance. Min $50 payments per month. I plan on continuing to pay what I was when I had more on the card (its now built into my budget) and it will be paid off shortly.
I also plan that my return from taxes and any money I might come into for Xmas (doubtful) will go towards it as well.

Cider, if you have this much available credit, then your being kicked out of your condo doesn't sound like it will be an issue anymore! Christmas Miracle!

[shimma]

Zip zero, I'm stingy with dinero. Might by you chris, but that's about it!

[weary]

Zip zero, I'm stingy with dinero. Might by you chris, but that's about it!

ma, but you really gotta.....

(sorry, i couldn't resist :evil: )

[calisa]

hmm lets see, this is in Aussie, so will be bit less in US. I owe like $9000 on visa, and $7300 on amex.. think used it all up wen in states last year.. am so financially depressed!! ... so if anyone quite well off wants to help me let me know!! LOL ;):

[LaFille]

They STILL call my parents. 5 year reunion this June, and they are still bothering the parents of alumni. Whatever. :rolleyes:

I did the calling once, for an alumni volunteering thing. It was so lame. No one was home, one kid yelled at me b/c of the school cutting the baseball team, and I wouldn't call the people who I personally knew. LOL

Didn't they feed you Ronzio? That's one step up from Dominos!
it always killed me when they had us call parents of current students... as if they weren't already paying dearly for junior's education.

and of course it was ronzio! there's some sort of conspiracy going on between our alma mater and ronzio pizza... like they'd ever give business to golden crust!

[pisces2473]

LOL yeah, why can't the school just call ALUMNI only? Not parents of current students, not parents of alumni...next--they'll be calling kids in the dorms, asking them to donate!

Ahhh Golden Crust. I lived in Aquinas sophomore year, over the call box...many many nights hearing "GOLDEN CRUST!!!!" shouted out.....

[PVD99]

$3500 is definitely a lot. I have about $1000 right now and it's bothering me. I would just try to chip away at it if you can. Knowing me I'll pay it off and it'll just go up again. Mine's where it is right now because of moving expenses.

[Deavan]

I had $0, then i got let go at work and put everything on that card and now I have $900 I plan to have that paid off rather soon though...