Credit Card Debt

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Buster said:
I love the USPS..but I would like you guys to have Saturdays off..at least in the delivery area.
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Me too and cluster boxes on every gravel road instead of house to house delivery and the closure of some small post offices that take in $1,000 in revenue while we pay a post master salary, rent, electric, gas, water, and maintenance. Once again I make th argument that I should be supreme leader of the country if not the world.:nuts::D
 
JTH said:
I wonder how many credit cards is too many? I wonder what kind of activity balance wise becomes a good reflection on your credit.

I have three Credit Cards cards now and one debit. I've had up to 5 and I've known people who had more then 10 :nuts:
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I have 2 that I use consistently throughout the year and refuse anymore. Once my credit line went over $30,000 I've never given it another thought (so have no idea what my credit limits are now).

I also have a Debit Card and an Amazon Card for the rare book I buy.

My Credit Score is 832 with 840 being the highest score possible. Those 8 points got me to delete and distroy all other Cards.

Our Family Activity (mostly my wife's) with all the groceries, gas, drug store stuff (due to 5% discount) is is about $1,300 to $2,000 a month; but we always pay it off in full so there's never any extra cost. No one would ever need more than 2 Cards and that's only because once you got $300 back from one - you should stive to get another $300 from another. If CHASE offered $600 a year I'd only use one card.
 
Steadygain said:
I have 2 that I use consistently throughout the year and refuse anymore. Once my credit line went over $30,000 I've never given it another thought (so have no idea what my credit limits are now).

I also have a Debit Card and an Amazon Card for the rare book I buy.

My Credit Score is 832 with 840 being the highest score possible. Those 8 points got me to delete and distroy all other Cards.

Our Family Activity (mostly my wife's) with all the groceries, gas, drug store stuff (due to 5% discount) is is about $1,300 to $2,000 a month; but we always pay it off in full so there's never any extra cost. No one would ever need more than 2 Cards and that's only because once you got $300 back from one - you should stive to get another $300 from another. If CHASE offered $600 a year I'd only use one card.
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Part of your score is open credit. If memory serves me correct, it's 20%. Don't close the accounts, just don't use them unless you payoff the balance at the end of the cycle.

BTW, great score.
 
Steadygain said:
I also have a Debit Card and an Amazon Card for the rare book I buy.

My Credit Score is 832 with 840 being the highest score possible. Those 8 points got me to delete and distroy all other Cards.
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Awesome credit score, my sparkling friend! I'm very proud of my hard-earned credit score, which is always in the low 800's, but I can't get it to go over 820. So great job!

And you all should have bought Amazon stock the day I got my Amazon card! ;) My Amazon book purchases equal about the GNP of a small country! :o And I've asked Santa Claus for a Kindle. I've been a very, very good girl! :nuts:

Lady

P.S. I don't really have an Amazon card, I use my debit card to buy my (many, many, many ....) Amazon books. Because I don't use credit cards. For reasons already explained. :embarrest:
 
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fabijo said:
BOOKS! I've been known to go on sudden ebay shopping sprees just to get books. A few years ago, I went nuts buying old nuclear physics books! :nuts:
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Boy, do I hear what you're saying there! I know this is off topic, but it's one of my favorite subjects!

My husband uses ebay to buy stuff like car parts, and OHV doodads and fishing supplies. I use ebay to buy books, and book series, and packages of books by favorite authors, and did I mention books?! :blink: :D

That's one of the reasons I want a Kindle. I don't have room for any more bookcases but I really need more books! Speaking of hooked ..... Okay, I'm done now.

Lady
 
:D
fabijo said:
BOOKS! I've been known to go on sudden shopping sprees just to get books.
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ROFLMAO! Books? Did somebody mention BOOKS? I ran out of room in my house for new books a few years ago, no more room for more bookcases, decided I had to reread, downsize, move 'em out, recycle, give away, sell, donate, anything to make room for more new BOOKS! :laugh: Barnes and Noble LOVEs me and my credit card when I go to big city, which is only every few months, but boy do I load up when I get the chance. Impulse buyer me. budgetbuster=books. (I do always pay off the credit card end of the month tho). Just means I'm not socking enough away into CDs or TSP maybe. :embarrest:
 
alevin said:
:D

ROFLMAO! Books? Did somebody mention BOOKS? ... Impulse buyer me. budgetbuster=books.
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Alevin, I just keep finding out more things we have in common! I tried to make my bookcases quit overflowing by trying a "one book in, one book out" policy - - but it was just too painful!! :embarrest::rolleyes:

Lady
 
XL-entLady said:
Alevin, I just keep finding out more things we have in common! I tried to make my bookcases quit overflowing by trying a "one book in, one book out" policy - - but it was just too painful!! :embarrest::rolleyes:

Lady
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That never works. If you're like me, you have extra wide shelves so that you can double up. I too can spend hours in a book store but have to admit that lately I haven't had much time to do so. :)
 
wv-girl said:
I too can spend hours in a book store but have to admit that lately I haven't had much time to do so. :)
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I've got two young sons, 5 and 7. There have been random nights that my wife and I got her parents to watch the kids. Where do we go? Barnes and Noble or Borders. :D No interrupting kids, plenty of peace. It's also where I like to go when I go on travel for work.
 
wv-girl said:
That never works. If you're like me, you have extra wide shelves so that you can double up. I too can spend hours in a book store but have to admit that lately I haven't had much time to do so.
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Yes, VW-Girl, extra wide shelves, and still not enough space! :nuts: I have them catalogued by subject and then by author. My husband will go to put a book back for me and I'll say, "No that's a science fiction bookcase. The mysteries are in the bookcases in the office." And he rolls his eyes and grins. :embarrest:

BTW, I enjoyed the gems discussion you and JB45 had, too! Thanks for sharing! :)

fabijo said:
I've got two young sons, 5 and 7. There have been random nights that my wife and I got her parents to watch the kids. Where do we go? Barnes and Noble or Borders. No interrupting kids, plenty of peace. It's also where I like to go when I go on travel for work.
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I know the feeling, Fabijo! My husband says he thinks if I'm really good in this life, when I die I'll go to Barnes and Noble! :laugh:

If this conversation goes on any longer, we might need to make another thread!

Lady
 
wv-girl said:
That never works. If you're like me, you have extra wide shelves so that you can double up. I too can spend hours in a book store but have to admit that lately I haven't had much time to do so. :)
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Don't you mean extra deep ?
 
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