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Originally Posted by eribrav
First people whined that the companies were screwing people by letting them make low payments and sink further in debt.......now we've got whining that they raised the minimums. No matter what move the banks made, there would be somebody whining about it. When exactly did this nation devolve into a culture of incessant whining? I can't quite put my finger on it.
If you're deep in credit card debt, you've got a serious problem. Might as well start dealing with that problem sooner rather than later. Or perhaps we can say: You made your bed, now lie in it.
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I'm in total agreement here. I've had credit cards for several years and have always managed them wisely . . . I pay them off right away.
I think a lot of people out there use credit cards because they DON'T have the money to pay for something. HUGE MISTAKE. Of course emergencies arise, like a huge car repair bill, the fridge conks out, whatever. But people need to discipline themselves to set money aside for emergencies (called SAVING MONEY).
I use 'em because they're more convenient for me; my platinum visa gives me an extended warranty on purchases, plus I earn cash rebate at end of year. I pay it off every month.