jxt299
|
never |
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carnaby_fudge
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i never put more on my credit card than i can pay off at the end of the month. |
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carhead3345
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it would only be good to max out a credit card if you have the money to pay the bills |
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Zelina W
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I have once when I was younger.. when I didnt know any better. It was the worst thing that I could have ever done. I am 32 and it still follows me around. Now, I dont charge anything that I cant pay off when I get paid. Think before you charge! |
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deed
 |
no, actually I pay them off the next month............. |
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toecutter
|
l did. then I burned them |
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Barkley Hound
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I make it a policy never to charge anything that I can't completly pay for when the bill comes. |
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kimberly
|
no the credit bureaus like to see you using 30 - 50% of your credit limit |
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sarah a
 |
No, and if you do you are setting yourself up for failure. if you do carry a balance you need to keep it below 50% below 35% better yet!. if you carry a maxed out credit card it actually looks worse then a late payment. |
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glass man
|
no and you should try to pay them in full each month if possible! |
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jude2918
 |
No. Fools do that. I am not a fool. Credit card interest rates are very high. There is nothing I need. I can wait for what I want. Everyone should have savings for rainy days. If you have savings and an outstanding credit balance you should pay it off to avoid the interest. Then change your life style. Libraries are free. So are movies in the park and walking. |
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Joe D
 |
I used to on occasion years ago. However, legislation in recent years has allowed the credit card companies to charge much higher rates and bump your APR up for just about any reason. They pull you in with 1.9% promotions, encourage you to run up a balance, then hammer you with a 28.99% rate, simply saying they periodically check your credit score. You could have a perfect payment record for years with them and it's irrelevant these days. |
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joanelmore
 |
With a big sigh i say yes i do |
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Valerie
|
No, and I can't believe anyone would be so naive, so careless, so irresponsible to do such a stupid thing. |
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Smitty
|
Credit cards are pure evil! |
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Velociraptor
|
I'm not allowed to use credit cards anymore. My wife said I visited the hardware store too much, but I couldn't help it, I needed more POWER!!!! |
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800 bound
|
NO way!! All paid off. I pay cash mostly |
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Kiki
 |
Nope. I would be lying if I didn't admit there were probably times when I was younger that they were close. Now, if we use one at all, we pay it off in full each month. |
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Just wondering
|
No but I do have alot on them. My cousin once told me and he is a smart financial person. Never put more on them than what you can pay off in a months time. |
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huh h
|
yes...you need to learn more on how to manage your credit cards:
Credit Card Debt Management
http://www.debt-explained.com/category/Credit-Card-Debt-Management.html |
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True Blue
|
I use the debit card, that is all! |
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Julie B
|
nope, thats why i dont have one. i use my MC endorsed debit card and i dont have to worry about the massive debt that can incur from having a credit card |
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a-mazed
 |
. . . NEVER . . .not even close |
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cats4ever2k1
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no i dont, in fact its okay to have multiple lines of credit open as long as you dont use them all! STay less then 50% on any credit card and dont go to high with it either, no more then you could pay off in a year. High interest rates will eat you alive and youll spend the rest of your life paying them off if you just pay the minium balance due, to be honest youll pay well over 3 times what you charged. Plus if you max out your cards you will have a hard time getting other things on credit like a car or a house.
I recommend having 1 credit car- 2 max. For emergancies and to establish some credit. But that should be about anyone should have and they shouldnt be maxed out- thats how people end up bankrupt. |
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crispy fried
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i dont use credit cards they are evil |
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bigbill4u
|
GOOD GOD NO ! |
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cherox
|
If you have the money to pay the bill when it arrives, and if your credit cards rewards you with rebates for purchases charged to the card, then go ahead max out the card and get some money back. Otherwise, DO NOT. You will just bury yourself in perpetual debt leading to the road to bankruptcy. |
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Arzuita
|
The best thing to do with your credit cards is to spend ones a month and paid it back as soon as possible. If not you will never finish paying your depth and you will spend more money on interest. And by doing that your credit scores will go up.
Credit cards are very vicious when you don't have to much money, be careful not to spend money that you don't have. |
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Adam D.
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Nope I never have and I dont plan on it!! Unless and emergancy comes up then I could under stand maxing it out... under the right situations |
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dukalink6000
|
Never. |
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outta sight
|
twice.... |
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