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#3284084 - 07/06/13 07:07 PM Re: One more credit card paid off [Re: KPH]
Stalkhunter
10 Point


Registered: 07/17/11
Posts: 3846
Loc: Knoxville TN

Offline
if i can do this then i WILL ATTACK the truck payment. Dr. bills are going to take a tad longer but they are going too.
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Semper Fi

Μολων λαβε
I am a cancer Killer.

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#3284089 - 07/06/13 07:10 PM Re: One more credit card paid off [Re: Stalkhunter]
mike243
16 Point


Registered: 09/06/06
Posts: 11232
Loc: east tn

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prayers sent for our friends in need every day

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#3284138 - 07/06/13 07:55 PM Re: One more credit card paid off [Re: mike243]
W.Seay
14 Point


Registered: 01/17/06
Posts: 7991
Loc: Collierville,TN.

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That's why I don't use credit cards! Congrats and keep up the good work, you can do it!

Edited by W.Seay (07/06/13 07:56 PM)
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To one with faith, no explanation is necessary. To one without faith, no explanation is possible.

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#3284579 - 07/07/13 10:39 AM Re: One more credit card paid off [Re: W.Seay]
Mike Belt
TnDeer Old Timer
16 Point


Registered: 03/26/99
Posts: 17676
Loc: Lakeland, Tn.

Offline
Credit cards are great provided you use them wisely. Problem is that most people bury themselves soon after getting them. It takes a lot longer to dig out than it did to dig in. I use them for making order purchases when I don't want to wait for my check to clear before shipping. I just make sure to pay the balance in full when the bill shows up in the mailbox.
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BONE HEAD HUNTER

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#3284595 - 07/07/13 10:50 AM Re: One more credit card paid off [Re: Mike Belt]
W.Seay
14 Point


Registered: 01/17/06
Posts: 7991
Loc: Collierville,TN.

Offline
 Originally Posted By: Mike Belt
Credit cards are great provided you use them wisely. Problem is that most people bury themselves soon after getting them. It takes a lot longer to dig out than it did to dig in. I use them for making order purchases when I don't want to wait for my check to clear before shipping. I just make sure to pay the balance in full when the bill shows up in the mailbox.


X2
_________________________
To one with faith, no explanation is necessary. To one without faith, no explanation is possible.

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#3284677 - 07/07/13 12:49 PM Re: One more credit card paid off [Re: W.Seay]
MUP
Non-Typical


Registered: 08/01/07
Posts: 42435
Loc: Just North of Chatt-town

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 Originally Posted By: W.Seay
 Originally Posted By: Mike Belt
Credit cards are great provided you use them wisely. Problem is that most people bury themselves soon after getting them. It takes a lot longer to dig out than it did to dig in. I use them for making order purchases when I don't want to wait for my check to clear before shipping. I just make sure to pay the balance in full when the bill shows up in the mailbox.


X2


Same here. Congrats on the payoff SH. ;\)
_________________________
MUP

Amateurs: Built the Ark

Professionals: Built the Titanic

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#3284683 - 07/07/13 01:00 PM Re: One more credit card paid off [Re: MUP]
BlackBelt
10 Point


Registered: 08/09/08
Posts: 2996
Loc: SouthWest TN

Offline
Congratulations. Theres a lot of freedom in becoming debt free. And busting your rump to get cards paid off makes a person think twice before putting anything on a credit card.
I have passed on dating several women just because they were carrying so much unsecured debt and had no way to pay it off.
Simetimes its hard to pay cash for things instead of just plopping down a card, but its worth it in the long run.

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#3284741 - 07/07/13 02:15 PM Re: One more credit card paid off [Re: BlackBelt]
Kimber45 Moderator
Peace Maker
16 Point


Registered: 07/10/08
Posts: 16588
Loc: Close to Jackson, TN

Offline
Pay mine off religiously by the month when I have anything on them but, the wife, still working on one she let get way out of control.. They are a magnificent tool, if used correctly but can sure get you in trouble if you don't set goals on keeping them paid off
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Patriotism is not short, frenzied outbursts of emotion, but the tranquil and steady dedication of a lifetime.

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#3284745 - 07/07/13 02:21 PM Re: One more credit card paid off [Re: BlackBelt]
Crow Terminator
TnDeer Old Timer
14 Point


Registered: 10/23/99
Posts: 8685
Loc: McMinn County

Offline
Congrats!! Cards are very easy to get in trouble with. It is a well devised trap for folks...buying stuff you want and don't really need, with money you don't currently have. You think you'll just get it now and pay on it a little at a time or when you have the money to pay it in full....then you keep putting it off and putting it off. In the mean time you find something else you just gotta have. Before long you've maxed out a card or are close to it. I only got one because the bank I go to, suggested I get one to build my credit. I didn't have any credit. So they gave me one with a low limit on it. I said I would only use it for emergencies or gas...and next thing I knew I had $3,500 maxed out on it.

All is well until something really big breaks and then you gotta come up with the funds to get it. In my case it was my heating/air unit a few weeks ago. Being hit with a $5,000 bill and being stretched to the limit with what they would give me at the bank was not a good situation to be in. I had to borrow from my 401k...but in checking into that, I found out I could get enough out to pay for the air unit and pay off my credit card and come out smelling like a rose. The interest rate is MUCH lower than what that card was, and I borrowed from myself and paying myself back interest. My card is going up as well after I put the funds in to pay it off.

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#3284781 - 07/07/13 03:04 PM Re: One more credit card paid off [Re: Crow Terminator]
ROUGH COUNTRY HUNTER
16 Point


Registered: 11/12/10
Posts: 12380
Loc: FRANKLIN COUNTY

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congrats
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