Anonymous wrote:If I had the usual $200,000+ DCUM HHI I probably would have no problem paying it off every month. But as a single parent living on $80,000, most months I can pay it all, but probably about three months a year, I can't pay the whole thing.

That's an excuse. What would you do if you couldn't get credit? You'd have to live within your means.

always pay in full. Set up for automatic debit. No credit card debt whatsoever. My monthly bill is probably $2k or more. i really don't even look at it. My husband deals with all that. I charge everything for the cash back benefits.

I'm also only an "emergency user" so, no. Most of the time we carry $0 credit card debt and rarely use our card. Every now and again we have an unexpected large expense and put it on the card, then pay it off as quickly as we can. For example, the air conditioner died right before we went on vacation, so we put the new one on the credit card, about $2000, and then paid it off in chunks over 3-4 months.

Always. Last time I didn't was in grad school, and that was a one-time thing (and sadly, very very long ago now.)
I consider that the single most important basic financially responsible act.

I have a low HHI but still pay it off every month - I just spend less. I put pretty much everything on my cc to get points - bill is usually 1.5K-2K/month.

Always pay it off.
Even when I was making 19K a year, I paid it off.
Yes, I starved, dinner out twice a YEAR and that included McDonalds. Potatoes beans rice....
Debt is something I HATE.
We do have a mrtgage though, but we will have enough to pay that off sin full soon.

I only use a debit card and have no cc debt.

we pay it all off, even if we have to dip into savings because I hate paying the interest.

Always, every month, every card, every purchase, ever since college.

we pay ours off monthly too.

To the PP who will be debt free in August 2013, good for you!

I was an idiot with my first credit card in college. I thought the minimum monthly payment was the best thing ever. Wised up, paid it off, and have paid it all off every month since.

Always, on average 4k a month on our household Visa.

My husband and I didn't, and now we are on a mad mission to pay off every piece of consumer debt (August 2013, here we come!) We both paid our own way through college, and worked on campaigns as youngin's and now we are paying for using credit cards badly. I'd love to say I lived lavishly in college, but even then I worked two jobs and went to school. Ugh. I'll also be teaching my kids how to use credit properly.

I always pay mine off every month. Oddly, my husband who is in finance, does not.

Yes, always, about $7k a month, feel fortunate that I don't have to worry about how I'll cover these costs