Comments on: How to Choose a Credit Card

By: MrsAshley

MrsAshley — Thu, 12 Jul 2012 02:23:00 +0000

In reply to Melissa. Yes, exactly! Besides buying a house I don't see a need for a great credit score anyway. It's just a number.

By: MrsAshley

MrsAshley — Thu, 12 Jul 2012 02:22:00 +0000

In reply to Tesa @ 2 Wired 2 Tired. I think we still have one too. Not an actual card just an account somewhere but I think the interest rate is up near 20% now. I hope we never need to use it!

By: MrsAshley

MrsAshley — Thu, 12 Jul 2012 02:21:00 +0000

In reply to Beeb Ashcroft. Exactly! I have such smart friends!

By: Melissa

Melissa — Mon, 02 Jul 2012 13:07:00 +0000

We have decided to live credit card free. Everyone always tells us “Well, you need one to build a credit history.” Well, I’m building a credit history just fine, thanks to my student loan repayments (ugh, another thing I shouldn’t have done, but when I started school that was just what you did – college was SO important that you should take out whatever loans you need to do it).

By: Nichol

Nichol — Tue, 26 Jun 2012 12:30:00 +0000

Credit cards can destroy people. You must be responsible with them. Discover card has always been a favorite of ours!

By: JulieK

JulieK — Tue, 26 Jun 2012 04:07:00 +0000

I’m not a credit card lover either, although we have one. But as you mentioned, we pay it off in full every month and there is no annual fee. I DID make the mistake once of getting a card with a fee, and not realizing it – OUCH! Quickly cancelled that the next year (since I’d already paid the fee!). So yeah, you have to be SUPER careful and responsible to make the cards work FOR you… and many times in the long run it is just not worth it for a lot of ppl.

By: Tesa @ 2 Wired 2 Tired

Tesa @ 2 Wired 2 Tired — Tue, 26 Jun 2012 01:52:00 +0000

Great tips. We haven’t used credit cards in ages. We still have them open but don’t rely on them like we used to thankfully.

By: Beeb Ashcroft

Beeb Ashcroft — Tue, 26 Jun 2012 00:20:00 +0000

I’m not a fan of credit cards myself – never had one, don’t intend to – but everyone’s circumstances are different and I respect that many people need one for something out of their control (Like medical bills) or find ways that it works/makes sense for them.

By: MrsAshley

MrsAshley — Mon, 25 Jun 2012 20:35:00 +0000

In reply to Stefani Tolson. I think that's a great idea!

By: Stefani Tolson

Stefani Tolson — Mon, 25 Jun 2012 20:29:00 +0000

I have decided to not use credit cards for a while. I want to pay off my debt.