How often do you use a credit card?

[Deleted]

How often do you have to put stuff on a credit card?  Not like, putting something on there just to get points and paying it off at the end of the month.  

[Bernadine]

I haven't had to since I left xh.

ETA- I am however still paying off a balance left from my marriage.  Does that make you feel better?  Lol.

[looseseal]

I use mine for online purchases only. I haven't yet been in a situation where I needed it for the credit line.

[Deleted]

We always pay off at the end of the month. Always.

We wouldn't put something on there and make a partial payment.

[Deleted]

I really should know better than to ask this question on here. lol. Everyone pays it off, always! No debt, ever! We bought a house with cash and have a 900 credit score!

[natsnow]

get ready for a MM answer: pretty much never. I always pay it off at the end of the month. I don't remember ever carrying a balance on my credit card.

[toepick]

I don't think I have ever paid interest on a credit card. I have taken money from savings to pay for unexpected things, but the thought of paying interest makes me shudder.

[Jalapeñomel]

We are paying off our cc debit, and we haven't used it for almost a year.

[Deleted]

Never

[FastHands]

Never carried a balance. I actually was so anal about it that I used to pay purchases off within a day or 2. Then my mortgage broker told me that was bad because it didn't look (to ppl looking at my credit report) that I was using the card at all. heh. So now I at least wait for the statement..

[walterismydog]

Never. I don't have one at all.

[screwedup]

We literally put every single purchase on our amex for the points but we seriously do pay it off every month. Our Amex is a "charge card" not a credit card. Carrying a balance is not an option.

[Deleted]

We have generally always paid off the balance at the end of the month. We have bought furniture and a Mac on cards, but those cards had 0% interest for a certain amount of time (12 or 18 months). And we paid them off before they started charging interest.

[Deleted]

Aug 23, 2013 9:23:24 GMT -5 @jezebel said:

I really should know better than to ask this question on here. lol. Everyone pays it off, always! No debt, ever! We bought a house with cash and have a 900 credit score!

Hey dude that's just how it is. 

My H recently gave me a hard time about my spending.  I'd only spent $38 in that past week and it was at the grocery store.  There is no lap of luxury over here.  We are hells conservative. 

[juliagoulia]

Eh a couple times a year we use ours to make a bigger purchase that we don't necessarily have the cash for right then, and pay it off in 2-3 months. It's never anything that would actually financially break us or anything, to be honest I just like to have a cash cushion and our cc has extremely low interest through our credit union so it just doesn't bother me. It's not mm. I'm probably going to get voted off the island now.

[cbwm1]

As little as possible.

However, we have debt. LOL

[Deleted]

We try hard not to put stuff on a credit card that we can't pay off soon after purchase. But it happens.

We try not to stress, we just do our best. Credit card debt is not something we want hanging around but we are never thousands of dollars in the hole so again, we try not to stress.

[Kit]

Rarely. If I do use it, it's because I don't want to use my debit card (when we travel, I only use my credit card). I always pay it off and carry no balance.

[bubblywater]

We carry balances on several credit cards and need to use a CC about every other month because liquid money is insufficient. I don't stress about it, we are a single income family and we will be flush again in a few years when kids in school and my career begins.

[wowhead]

It varies for me. I will admit to having credit card debt at times. I can go long periods of time without getting paid and sometimes it's just a necessary evil. I would much rather pay interest on a credit card than to pay my quarterly taxes late.

[vallarta]

I have some credit card debt left over from college, should be paid off in January. We also bought a washer and dryer on a store credit. Both the cards have 0% rates.

[Deleted]

I online shop about 3x a week. I like getting packages in the mail. Lol. Generally I pay that off every week or two.

We carry a balance on our home depot card, but its no interest for 6 months. We will probably use it a lot more when we start finishing our new house.

[bostonrunnah]

Regularly. Our "fun stuff" account are our separate credit cards - Rent/ food/ gas/ etc go through cash. We pay them off twice a year around bonus time so they never have a wicked high balance.

I actually just bought a new car and put the deposit on my credit card. I'll put a good chunk of change down on my next bill because that one was hefty. I also earned a GAZILLION points.

[themysteriouswife]

$400 in cc debt. Thank you ankle injury and expensive ass PT! We were taking out of savings, but we decide to put it in the card. We will have it paid off in Sept. We typically keep a $50 balance for credit purposes.

[sneetch]

We use our card for just about every purchase, including h's travel for work, but we pay it off each month. We have a great rewards program and we like the cash back, free flights, etc.

[CurlyQ284]

I'm so annoyed. I had been paying down CC debt but this summer was a giant money pit and had to put stuff back on it so its back up

Other than this horrible summer DH will only use it to buy me gifts so I don't see it right away. We have one for vet bills that is 0% for 12 months I think. Then he has a card for his travel expenses that gets reimbursed.

[tacocat]

Not since college really. We use our credit cards for everything and pay them off every month.

We do have one for Best Buy right now though. We bought a tv and they had a 0% offer. My H wanted to do that, and we'll finish paying for it in December. We definitely could have paid cash for it though.

[bigang]

Right now, I try not to. Last year I lost my job and was unemployed for 7 months. I didn't make a ton of money to begin with and had almost no e-fund (only 1 month). I tried to live on my UI benefits, but some weeks were harder than others and I had to use my CCs quite a bit. I'm employed again and am paying them off so I try to use them as little as possible for the time being. I'm not just ML poor, but poor poor. I own it.

[iamgrace]

I use my cc almost daily, but I don't carry a balance.

[Deleted]

I did that for one month in law school and I still feel guilty about it. My parents raised me to think that credit card balances, ATM fees, and library fines are the devil.

So never.

I do use my credit cards for everything I possibly can. But they get paid in full every month.