Are you smart when it comes to your credit card? I learned to only use it for vehicle repairs and food

I learned to only use it for vehicle repairs and food what about you.

.I think so I only use them for travel and shopping on next net. I usually pay them sour at the end of the month, that way I don't enjoy to pay all their interest.

i dont hold one

yes i am drastically smart that's why i do not have any credit cards to splurge that's why i am debt free thank god!

I only use it for convenience, and I pay my go together every month.

Sure am. I don't own a credit card.

I dont have one, but If i did I dont thin ki would be smart going on for it, cause i am a very indiscreet person and never thinks give or take a few the consequences.

i build credit with mine- thats why my credit is really good- dont charge what you cant pay bad!

as long as you remember how much you've spent and plan to pay for it at the cease of the month you'll have no problem. Don't be like me and put your school tuition on it, unless you've got the money to pay it subsidise with in a month!

I use regularly and I pay regularly

I have an American Express card from Costco that has no annual excise and gives 1% back. I use it everywhere it will be standard for everything that I would ordinarily buy. Monthly I pay off the entire match. I have not had a go together carried over for over 30 years.

Yes, I'm smart about my credit card. I don't use it.'

Food on a credit card your nuts? I never use mine. It is within a block of ice hidden within the remote access of my mothers freezer. Have to go 20 miles and wait for it to defrost. In that time I own to decide if it is important or not and it as a rule isn't important enough.

Answer:
Now I am, I had to swot the hard way.

Usually. What works for me is keeping a running total of doesn`t matter what I've charged and when I've reached MY limit (never mind the card goal -- that's just an incentive to spend) I stop.

I dont own a credit card cuz if I dont have one i cant charge stuff on it, but using it for vehicle repairs only might be a coup�� saver...

yes iam i dont own one, the best way to keep you credit

I never use it for food, or any time to day expense. Emergencies only close to car repairs. But the most important rule is to remuneration off your balance respectively month, no matter what you use it for. If you can't pay stale your balance each month, after you're a fool and will spend years paying for that dinner at Bennigans.

Yes, take assistance of introductory promotions, never carry a balance (pay within full every month), use reward cards (5% for gas and groceries, 1% everywhere else)...and follow discussion threads such as these:
http://www.fatwallet.com/t/52/524032/...

I have a Chase Visa I hold had for 15yrs... I make my crucial purchases with it... I once bought my daughter a $10000.00 car on it at 1.9 % for 2 years... a dang dune can't give me that rate on a used car, interest be $15. a mo... I always take lead of the 0% for a year and I pay it off within a year... if you decipline yourself to follow the rules and pay like it say... it's like money for free... interest free or very little interest... have the same card for so long I have almost a $20000.00 line of credit... I never use it to buy food or gas... only my big purchases... I really never use the actual card itself... Chase distribute me acces checks... normallly send three checks... each one giving me a different prospect... 1.99% for the life of the loan or 6 month no interest... they are great... "Chase Bank of NY"

I have exactly one credit card, I just about ever use it. It's generally
for emergencies or purchases where on earth I don't want to carry large
amounts of dosh. I like to stay out of debt.

Yes, I open so many credit card accounts, and now at age 18 I bought a house.

Thank you credit cards!

P.S. I do owe a few thousand dollars to credit card companies, but that's not the point. The point is, I work full time as a programmer and own enough money to pay past its sell-by date the minimum per month.

If you are in debt and can't pay it past its sell-by date, and keep going into debt, that is what's desperate. In my case, I'm in debt, but I am owing smaller amount and less every month as of now.

I use it all the time, I get hold of cash back when I use it.
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