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livendive

credit card debt

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I've got a little bit, about one week's pay, but I don't worry about it because it's at 0% interest and I can pay it off out of savings once it starts earning interest. I'd kind of like to get one of those credit cards that earns frequent flier miles and use it in place of my debit card and then pay it off every month. Anyone know which companies do the mileage promo's?

Blues,
Dave
"I AM A PROFESSIONAL EXTREME ATHLETE!"
(drink Mountain Dew)

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I've got a little bit, about one week's pay, but I don't worry about it because it's at 0% interest and I can pay it off out of savings once it starts earning interest. I'd kind of like to get one of those credit cards that earns frequent flier miles and use it in place of my debit card and then pay it off every month. Anyone know which companies do the mileage promo's?

Blues,

I have a rapid rewards VISA that i use for all my business purchases. During the summers i get a round trip ticket a month.:D
Dave



Never look down on someone, unless they are going down on you.

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I've got a little bit, about one week's pay, but I don't worry about it because it's at 0% interest and I can pay it off out of savings once it starts earning interest. I'd kind of like to get one of those credit cards that earns frequent flier miles and use it in place of my debit card and then pay it off every month. Anyone know which companies do the mileage promo's?

Blues,
Dave



Depends. Do you want to pick one airline and max out? Then pick whatever card has a deal with your airline of choice. I think it's Capital One that I've heard has a pretty good plan for earning miles that you can apply to any airline.
"There is only one basic human right, the right to do as you damn well please. And with it comes the only basic human duty, the duty to take the consequences." -P.J. O'Rourke

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Well I'm going to Thailand for WT, you can guess if I have a little bit of debt I'm going to have to pay off:ph34r:
May your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey

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I've got a little bit, about one week's pay, but I don't worry about it because it's at 0% interest and I can pay it off out of savings once it starts earning interest. I'd kind of like to get one of those credit cards that earns frequent flier miles and use it in place of my debit card and then pay it off every month. Anyone know which companies do the mileage promo's?



The alternative are the straight cash ones. Citibank's Dividend one pays 1% (5% on gas and groceries), up to $300 a year. That's a 14cent/gallon rebate on gas.

I've given up on the rewards programs that offer a potential value, be it in gift certs and airplane vouchers. Seems like too much more work.

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I've got a little bit, about one week's pay, but I don't worry about it because it's at 0% interest and I can pay it off out of savings once it starts earning interest. I'd kind of like to get one of those credit cards that earns frequent flier miles and use it in place of my debit card and then pay it off every month. Anyone know which companies do the mileage promo's?



The alternative are the straight cash ones. Citibank's Dividend one pays 1% (5% on gas and groceries), up to $300 a year. That's a 14cent/gallon rebate on gas.

I've given up on the rewards programs that offer a potential value, be it in gift certs and airplane vouchers. Seems like too much more work.



I really should cash out my miles on my current card and get that one. That way I'll still end up getting at least SOMETHING back. At the moment though, I have a RT US ticket to use.

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I'm a CASH money kinda guy. If I can't pay cash I don't buy it. I have A credit card that I use only when some place makes me. IE Car rental that wants to charge you an extra fee for using debit cards. Now mortgages are a differen't story. I currently owe about almost 2 1/2 years salary on real estate. :o SO in 3 to 4 years I hope to be debt free on that. :S

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None, I paid it off last month! I won't skydive on credit, but I'm sure I'll have some debt next month after my boyfriend's and daughter's birthdays and Christmas. Well, that month of being debt free was fun while it lasted! :S
She is Da Man, and you better not mess with Da Man,
because she will lay some keepdown on you faster than, well, really fast. ~Billvon

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I used to pay strictly by cash. Then I had a quarter-life crisis, took out a couple credit cards, quit working, and went on a three month bender maxing everything out and having the time of my life.

Now I get to dodge a few phone calls a day from collectors.
This ad space for sale.

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Where is the several year button?



Yeah, he also forgot the "don't know but I'm sure the c/c companies will tell me as soon as they find me again" option.:ph34r:



Yup, been there done that. They found me.

Down to about $14,000 from $24,000. 2-3 more years to go. They don't give me credit cards anymore.

Christina

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Was at $0 but just got a house so the initial things all went on one while I prep it for moving into. It'll be paid off in about 2 months. I've got an AA miles card that has earned me 2 tickets this year for their AASaver thing but after spring I'm looking to swap it for a card that has better rewards. I use it 90% of the time for company travel... any suggestions?
Yesterday is history
And tomorrow is a mystery

Parachutemanuals.com

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Take note of the trend. You are almost equally likely to have enormous debt as no debt. Once you have any revolving debt, the curve goes up trending toward more and more debt. Anyone carrying some debt and thinking it's ok...It can start snowballing and get away from you. I know. It's best to go cold turkey and just stop borrowing, only buy what you can afford in cash.

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I spent quite a few years being really irresponsible with credit cards. I carried a huge debt at one time. My credit score is good because I always paid on time and never defaulted. This past year I zero'd it all out and cancelled many accounts. I now use my debit card for almost everything. I do have 1 Master Card that I carry, but it gets paid off immediately. As someone else said, "Being debt free kicks ass!"



_________________________________________
Chris






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We've got one airline card that everything goes on, including many of our monthly bills. The card is then paid off automatically, in full, every month. Makes for worry free bill management. I don't even have to pull out the checkbook and stamps anymore,or even remember to. I can spend that time skydiving. It's nice to get the occasional airline ticket for free, too.

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