Reply to Be honest - How many of you pay your complete credit card balance off each month?

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Reply to "Be honest - How many of you pay your complete credit card balance off each month?"

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[quote=Anonymous][quote=Anonymous]It seems that this is a bragging thread.  Only one person claims to NOT pay off their cards in full every month?  I call shenanigans.

We do our best not to have to use credit cards, but it sometimes happens.  Like 2 emergency vet visits in one month that we couldn't just cover out of cash flow.  Shit happens.
[/quote]

We actually do pay our balance off every month.  It would be a more interesting twist to the question to find out if it has always been so and if family is similar.  I know for me I married someone that paid his credit card bill off every month and that got me into gear because I didn't want this to be a source of contention or to feel like his stellar credit was being brought down by my less disciplined ways.  I have family and friends that have gotten into credit card debt and not only is it a tough thing to get out from under but especially if you are delinquent, your credit history can impact getting the type of job that can help get you out from under the debt and certain things like car insurance could be charging you more under the analysis that you are more likely to file a claim.  I do realize that even with being to pay the balance every month, if we had a major medical emergency or prolonged layoff, the situation could change.

As for sh$^ happens, the question is when does sh$^ not happen?  Whenever we think it will be a low credit card month of planned expenses, that is exactly when the roof leaks or our car needs to go in the shop.  [/quote]

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