Read this article about credit cards and respond. This article is for May 2nd.
Tuesday, April 26, 2011
Credit Cards : Things to Know
Read this article about credit cards and respond. This article is for May 2nd.
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45 comments:
i think credit cards are a big part of late bills and bad credit because people dont think about things and when they go to the store they jus swipe the card and their done and they forget to look at their balance so they fall in debt.
I think a lot of people need to read this article and learn the tips for having a credit card. I would never have a credit card because to me it just seems like too much of a risk to your finiances.
People just need to pay with cash. We really don't need credit cards unless you are buying something online, yet at the same time you could just use a debt card and use your actual money. Using money you don't have is a stupid thing to do.
I don't trust credit cards. I don't plan on using them in the future. But the guidelines listed in the article are helpful to those who use credit cards. But using them still requires you to remember payments and watch your credit score. To much to do in my opinion.
credit cards are just fake money and new debts you should not use a credit card enless you have the money to pay back plus interes the only way i would use one is on a emergency
I think credit cards can ruin your credit and your life because if you do not maintain a good credit you are limited to things you can buy and do.And no one wants to be limited to anything in life. I know you should be able to do whatever you like in life but making bad decisions like spending money you don't have or will never have is kind of like stealing from banks.
I personally do not plan on ever have a credit card. Although if you have the money and a stable job that would allow you to make the payment on time I do understand that it can be beneficial to your credit but i also know how easy it is to trip up and dig yourself into a hole and completely ruin your credit.
Although i personally will never have a credit card, if someone has one or is planning on having one then you should be very educated about it and know what you are getting yourself into. I think that this is a good article that could help people know things about credit cards that they didnt know before which could help them save money.
I like credit cards! I think if your smart and you can manage your money well and keep track of transactions, then credit cards aren't that bad. They are a quick way to pay for goods and I would like to get one here soon
I think that credit cards can be both good & bad. I believe if you can limit yourself and don't do extreme spending, then they are an easy payment when you don't have the cash on you or when buying something online. I personally would rather pay for something in cash though, just so I wouldn't have the temptation of overspending.
I like using a debt card, because its YOUR money. not fake money. Credit cards shouldn't be used because they just get people into debt and stuff that could have been easily avoided if they just use the money they have then and there.
I think that credit cards shold only be used for an emergency an not just a shoping card. For shoping you should get a debit card that you cant go over on.
I think that people should just use money if you are not buying things online. I think people should only use credit cards if shopping online. we have more debt than anything because people use credit cards & overdraft so much money they can't pay off. If we done this, less people would be in debt & they would have more money.
Credit cards are useful but can be a pain more than anything. You should use cash instead of using a credit card in place of it. You will get behind on your payments and eventually have to cancel that card because of all your debt.
credit cards to me are bad they will hurt you in the long run especially if you go over and spend more than you even can then bills will go up and just a hot mess i would just had to pay with cash and cash only i wouldn't want to take the risk.
I think that people need too read this articale because it shows them how and why people get in deht with credit cards. I think that credit cards are the reason that the us is in deht so much today.And that the credit card companys are harging crazy intrest rates.
Using credit cards has led Americans to become unresponsible with their money. I personally will never own one because i don't want the Man tracking what i buy, but to those who do want a credit card, i suggest they pay close attention in their economy class to learn consequinces of being irresponsible with your credit card.
I do not like credit cards at all!!!! I think it makes people more irresponsible and gets them into trouble with money. I think it's much easier to use cash. Credit cards should only be used for emergencies i think. I just don't like credit cards at all!
Credit Cards are either a win, win or a lose. When having a credit card you have to limit yourself on how much you spend. Having a credit card is a lot of responsibility. And knowing your limits is important. I personally don't like the idea of having a credit card.
personally i think credit cards should be illegal for anyone under the age of 20 because of how easy it is to get into debt and how are it is to get out of it they are not a pro or a con in my head but also it could be a grood learning experiance for people as well
In my opinion, Credit cards are bad news. That's what causes people to fall into debt and makes them have bad credit because they don't really keep track of their balance. I feel that a prepaid card or a debt card would be more responsible because then you will be able to keep track of all of your money and know when to stop spending it all.
I do understand that it can be beneficial to your credit but i also know how easy it is to trip up and dig yourself into a hole and completely ruin your credit.
i dont like credit cards honestly i would reather use cash and not worry about ruining my credit.
i think that people should use money if they cant really be safe with there credit card people are so good now hacking peoples stuff and findin ways to take them, you dont need credit cards unless its a debit card to so you can watch what you spend an you can shut it down if lost or stolen quickly<
I think credit cards are good and bad. They're good because they give people the money to get things when they dont have money. But they're bad because people don' pay them off and then they get fees, etc., and then they're credit turns bad.
Yes I believe credit cards are a big part in everyone's debt because everyone just goes to the store an swipes there card an forgets about it. I think using a card is more efficient but cash is is smarter to use if you don't want to go into debt
I'm one of those pay in cash kind of guys. i mean i do own a credit and checkings account card but i only use them for emergencies. identity theft is too easy now days with all this technology and people are slowly becoming more lazy and i think they will eventually see the problems with it.
Credit cards are a bittersweet novelty. They can either be very helpful and convenient or break you. They are a physical thing that you hold so of course they have a problem of being stolen. There's also identity theft that's a big problem as well. I hear there's going to be an alternative to the credit card in the near future, so hopefully that helps on a few of these issues.
i think credit cards are good in bad. they are good cause when u need it for any emergencies you have it their. but they are bad cause its getting people in debt because they arent paying it back in time so they fees are going up.
I dont ever want to own a credit card. they are dumb, just a fast way to spend all the money you earn, or your spouses.
they should be for test usage only. like if you want one you first have to test it to see if you can "handle" it. and if you can then you can get one.
Credit cards are a big risk because you can get into so much debt if you constantly spend more than what you have. There's also identity theft, thats trouble and I've experienced this before, a stolen credit card will cost you. Credit cards are all bad.
I think credit cards is very bad the reason these are bad is because many people will go to stores an other places an buy every thing with that card but an they know they aren't gonna have money to pay the card off. Instead of cards i think people should just carry money.
Credit Cards can get you into alot of trouble if you dont pay them off when the money is due. The article said there are millions of people who have late payments every year, thats alot of extra money to have to give away. But credit cards can be useful too, plus its a good ideah to establish a good credit store.
Theres a reason why people use credit cards for "EMERGENCIES ONLY" is because not being careful you'll be ending up paying more than you'd can imagine. credit cards are great last minute savers but to use them constantly on the regular can cost a person dearly
I am the type of person that prefers to carry money with me instead of a credit card because purchasing goods with a credit card, most people tend to get carried away and spend more money than they actually have. the they end up in debt for failure to pay interest rates on those credit cards
Credit cards can be very useful and helpful in emergencys but most of the time people can control theirselfs with them and end up over spending and getting into debt.
I would just carry and use money instead of credit cards. Credit cards can be helpful for a lot of stuff but you could get in debt and lose all of your money.If you use money it would be the safer way.
I personally dont agree with credit. I think everybody needs to pay in cash so their wouldnt be so much debt. If you know your not gonna be able to pay a loan or a late fee on your credit why take out loans and why get credit cards. I personally feel that a credit card sets you up for failure . In other words they are traps.
i personally like credit cards . i have one actually . and if you can manage your money , they're a nice thing to have . they are the quick way to buy things . but cash is a nice thing too .
i think that nobody should get a credit card unless they have the money to pay it off as they put things on there or they will go into debt and it will cause major issues with your credit
American consumers have 609.8 million credit cards in their collective wallets, and the average household carries nearly $8,000 in credit card debt. While credit cards are convenient payment methods, they are not a great way to carry debt because of high interest rates that can change month to month. This is a lot of credit cards! You can actually make auto-debit payments to prevent late fees! pretty sweet but yet dangerous because of overdraws if you are not careful with your money. The total cost of your credit card is more than your APR! that sounds bad. I really think there should be no secrets with credit card companies because you need money to spend. They need to quit being greedy. People can barely survive today...
I think if your going to have a credit card when you use it make sure your going to be able to pay it back before it become late and you start having to pay intrest which is outrageous with the credit cards today
having a credit card can be a good thing if you use it properly, but some people use it as in putting everything on credit and don't have enough money in their bank account. they end up owing the bank tons of money an gets in debt
i think people need to just pay with cash . but credit cards are so easy to use and they are very convenient. i have a credit card myself , i enjoy it actually ...but if you cant pay it off then its a bad thing to have because you could end up in debt .
I think credit cards are okay if you know how to manage your and be ok.they also can very helpful in emergencies
I think that more people should read this because some people are not smart about there plastic its a huge risk to your finiances i would never use one.
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