How much credit card debt do you usually carry or have month to month ?

Good on you for realizing you have a problem and working to pay it off. it's good to eliminate unnecessary debts and in the grand scheme of things 10,000 isn't that much so you will have it paid soon!

It feels really good to have some money saved in the bank so I am always putting some aside when I can. I usually keep a balance on my visa of $100-300 ish though I try to pay it off often, just kinda lazy sometimes and if I buy something more expensive that's $500+ (Which is pretty rare) then I just pay it off over a few paycheques.

My balance is tree fiddy.

I’m in the 1000-3000 range, but it’s a 5000 secured credit card. Meaning I put down my own money to have it. I use it to maintain a credit rating. Everything I own except my house is paid off.

Under 0-3,000 generally.....spikes to 15,000 sometimes....I use my CC 95% for work....use it to pay for materials and balance paid off when I get paid....802 credit score.....

Never had a credit card and I’m 28. If you can’t afford to buy it, then don’t. Simple as that. Only the weak put themselves into debt

carrying cc debt should be a last resort for emergencies when no other options

otherwise you are very stupid

but for some it is an absolute necessity


and I have strategies for certain contingencies should the worst happen

$0

my first cc was one of many steps that I used to build a seven figure networth - and started with $1000

After kids graduate from highschool many receive a credit card in the mail - having not asked for it - it's a horrible trap/system they've got going.

The best thing a parent can do is teach all about credit debt, talk about it around the dinner table, beginning of high school 9th grade is a good time to start.

I average about $3 per month in CC debt, unable to pay off cause I earn minimum wage and all my money goes for my crack habit..

So I just pay the minimum each month of 14 cents..

Last Edited by Roger Rabbit on 03/02/2019 03:09 AM

btween 800-1200, i try to pay off as much of it as i can monthly.

You must be rich

You must be super rich

Damn you poorer than me, now I am middle class

Thanks..

not really, i make between 600-800 a week delivering pizzas

I earn $165 a week working part time at Burger King, I am so mad at life I spit in peoples burgers when manager not looking..

Debt? Credit Cards??

$0

This Littlepixie is "old school" as in, if you don't save the money you need to buy things then you simply can't buy them.

You need a selection for " I don't do usury against myself". I haven't had any debt for 40 years, NONE

I pay it off at the end of the month.....

locally I pay cash for everything. why have your numbers floating around all over town? makes no sense.

as far as online goes there are a couple of things you can do to help protect yourself.

I use a credit card, but not for credit, purely for convenience. I spend about $1500/month on it, but pay it down automatically monthly so never pay any interest or fees.

Should never treat a credit card as a loan, as the interest is a rort. They are good though as a medium or payment tool, that's all.

Same thoughts here. I am 43 and never had one. If you want it, save for it.

0.

Have never owned a credit card.

Parents always said never get one.

That isn't even funny as a joke. By the way, that's assault.

Used to pay off every month, until a few unplanned house emergencies came about. Now it’s been hovering around 5-6 but it’s bonus szn, it’ll be gone soon.

one category you forgot. No credit card only atm visa or master cards, therefore everything done in cash. No debt at all

Three houses, 6 properties, owe nothing.

not bad for a high school drop out. lol

Last Edited by mondali2 on 03/02/2019 06:26 AM

I've never used credit cards for expensive purchases myself so I voted blank to see the results :-)...

I agree that we shouldn't buy what we can't afford as debt can be a real problem if we let it get that far...

I've never been in debt but I have seen what it has done to other's...

I only buy what I need... I keep to that :-)...

I don't charge any more than i can pay off in 12 months, if I had to.

Credit is great if you have self discipline, but don't do it if you have none.

I use it for occasional spending, but mostly for vacation or for larger items that I want to spend on myself.

I allow myself around 600.00 a month for any CC payments, play money or stuff that I don't really need. This is money that I indeed intend to lavish on myself.

I believe, if able, to reward yourself often for earning any kind of money....Like at least 10%...if possible.

If you establish a reward program from yourself, then working towards the reward...the 10% you can spend on yourself, can be a 'fun' mental game. Treat yourself just like you would someone that you love.

Even if all you can afford to set aside is 20.00 a month, be good to yourself...reward yourself...even if it's just because you woke up in the morning and are still breathing...that in it's self is a good enough reason. :)

$0 and zero cards now.