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bikramaddict
mommy-to-be
Member since 8/06 4376 total posts
Name:
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Credit Card Debt - How Much Are You In?
I can't wait to get out!
(Please do not include student loans, car payments, mortgage, etc in this.)
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Posted 6/27/07 1:13 PM  |
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TreAnt427
-
Member since 8/06 8652 total posts
Name:
Tracy
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Re: Credit Card Debt - How Much Are You In?
Me personally - under $1000 but DH is a whole different story. 
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| Posted 6/27/07 1:15 PM |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: Credit Card Debt - How Much Are You In?
too much 
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| Posted 6/27/07 1:16 PM |
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Kate07
Feel better my little guy!
Member since 5/05 4476 total posts
Name:
Kate
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Re: Credit Card Debt - How Much Are You In?
$0
I'm a stickler for paying Credit Cards in full every month.
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| Posted 6/27/07 1:17 PM |
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Kissy331
My two miracles!
Member since 5/06 17826 total posts
Name:
Kristen
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Re: Credit Card Debt - How Much Are You In?
I am proud to say ZERO!!!! We pay off all our credit bills in full every month!
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| Posted 6/27/07 1:17 PM |
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SweetestOfPeas
J'taime Paris!
Member since 3/06 32345 total posts
Name:
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Re: Credit Card Debt - How Much Are You In?
Posted by Kate07
$0
I'm a stickler for paying Credit Cards in full every month.
same here! I only carry a balance when a store offers interest free financing
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| Posted 6/27/07 1:18 PM |
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Tah-wee-ZAH
Kisses
Member since 5/05 15952 total posts
Name:
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Re: Credit Card Debt - How Much Are You In?
Posted by Kate07
$0
I'm a stickler for paying Credit Cards in full every month.
Same here. I've never carried a balance even for one month. My Dad drilled that into me
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| Posted 6/27/07 1:27 PM |
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neenie
Member since 5/05 22351 total posts
Name:
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Re: Credit Card Debt - How Much Are You In?
Posted by Kate07
$0
I'm a stickler for paying Credit Cards in full every month.
Ditto!
So is DH. 
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| Posted 6/27/07 1:27 PM |
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nov04libride
big brother <3
Member since 5/05 14672 total posts
Name:
Me
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Re: Credit Card Debt - How Much Are You In?
Posted by neenie
Posted by Kate07
$0
I'm a stickler for paying Credit Cards in full every month.
Ditto!
So is DH.
Here too!
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| Posted 6/27/07 1:28 PM |
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dawnie
Barb-Never removing this pic!
Member since 11/05 3932 total posts
Name:
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Re: Credit Card Debt - How Much Are You In?
None! I pay everything at the end of the month!
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| Posted 6/27/07 1:29 PM |
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Kara
Now Zagat Rated!
Member since 3/07 13217 total posts
Name:
They call me "Tater Salad"
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Re: Credit Card Debt - How Much Are You In?
Just as an FYI, paying your credit cards in full every month is less helpful for your credit score than carrying a low balance.
We pay our CC balances down to about $100 every month -- money we could easily pay off. I don't consider that "debt" as it's something we do for a purpose and could pay off at any time.
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| Posted 6/27/07 1:30 PM |
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curliegirl
He's here!!!!
Member since 3/06 10128 total posts
Name:
Gina
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Re: Credit Card Debt - How Much Are You In?
not much, maybe $500.
these #s are suprising!
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| Posted 6/27/07 1:30 PM |
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neenie
Member since 5/05 22351 total posts
Name:
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Re: Credit Card Debt - How Much Are You In?
Posted by Kara
Just as an FYI, paying your credit cards in full every month is less helpful for your credit score than carrying a low balance.
We pay our CC balances down to about $100 every month -- money we could easily pay off. I don't consider that "debt" as it's something we do for a purpose and could pay off at any time.
I can understand that, but why pay 16%+ for a minimal increase, at best?
everyone's got their opwn methods i guess, but i dont like the idea of paying money to spend my money.
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| Posted 6/27/07 1:32 PM |
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Kara
Now Zagat Rated!
Member since 3/07 13217 total posts
Name:
They call me "Tater Salad"
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Re: Credit Card Debt - How Much Are You In?
Posted by neenie
Posted by Kara
Just as an FYI, paying your credit cards in full every month is less helpful for your credit score than carrying a low balance.
We pay our CC balances down to about $100 every month -- money we could easily pay off. I don't consider that "debt" as it's something we do for a purpose and could pay off at any time.
I can understand that, but why pay 16%+ for a minimal increase, at best?
everyone's got their opwn methods i guess, but i dont like the idea of paying money to spend my money.
None of the interest rates on my CCs are anywhere near that high -- and paying that interest on $100 is really nothing.
Message edited 6/27/2007 1:35:32 PM.
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| Posted 6/27/07 1:34 PM |
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SweetestOfPeas
J'taime Paris!
Member since 3/06 32345 total posts
Name:
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Re: Credit Card Debt - How Much Are You In?
Posted by Kara
Just as an FYI, paying your credit cards in full every month is less helpful for your credit score than carrying a low balance.
We pay our CC balances down to about $100 every month -- money we could easily pay off. I don't consider that "debt" as it's something we do for a purpose and could pay off at any time.
well it hasn't hurt my credit score. last time I checked it was 804 
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| Posted 6/27/07 1:34 PM |
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Kara
Now Zagat Rated!
Member since 3/07 13217 total posts
Name:
They call me "Tater Salad"
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Re: Credit Card Debt - How Much Are You In?
Posted by SweetestOfPeas
Posted by Kara
Just as an FYI, paying your credit cards in full every month is less helpful for your credit score than carrying a low balance.
We pay our CC balances down to about $100 every month -- money we could easily pay off. I don't consider that "debt" as it's something we do for a purpose and could pay off at any time.
well it hasn't hurt my credit score. last time I checked it was 804
I didn't say your credit score would be in the crapper. I was merely pointing out that it can be helpful to your credit score to carry a balance.
Sheesh!
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| Posted 6/27/07 1:34 PM |
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~Colleen~
my loves...
Member since 5/05 9129 total posts
Name:
guess
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Re: Credit Card Debt - How Much Are You In?
Posted by neenie
I can understand that, but why pay 16%+ for a minimal increase, at best?
everyone's got their opwn methods i guess, but i dont like the idea of paying money to spend my money.
Exactly.
We have zero cc debt - cards are paid in full every month.
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| Posted 6/27/07 1:35 PM |
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curliegirl
He's here!!!!
Member since 3/06 10128 total posts
Name:
Gina
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Re: Credit Card Debt - How Much Are You In?
Posted by Kara
Posted by SweetestOfPeas
Posted by Kara
Just as an FYI, paying your credit cards in full every month is less helpful for your credit score than carrying a low balance.
We pay our CC balances down to about $100 every month -- money we could easily pay off. I don't consider that "debt" as it's something we do for a purpose and could pay off at any time.
well it hasn't hurt my credit score. last time I checked it was 804
I didn't say your credit score would be in the crapper. I was merely pointing out that it can be helpful to your credit score to carry a balance.
Sheesh!
Yes, I agree. It has been what helped my credit score increas since I had some issues years ago.
Carrying a balance can help just as much as having a huge limit and no balance can hinder.
My credit is 800 too.
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| Posted 6/27/07 1:37 PM |
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neenie
Member since 5/05 22351 total posts
Name:
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Re: Credit Card Debt - How Much Are You In?
Posted by Kara
None of the interest rates on my CCs are anywhere near that high -- and paying that interest on $100 is really nothing.
And the increase isn't what I'd consider minimal. Utilization is a pretty important part of your credit score.
I'm sure it varies person to person. DH and I have perfect credit... carrying a balance isn't going to cause it to skyrocket. But, i guess is someone is trying to aggresively correct their credit, those little things help. Still, i've always paid in full and always will.
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| Posted 6/27/07 1:39 PM |
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SweetestOfPeas
J'taime Paris!
Member since 3/06 32345 total posts
Name:
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Re: Credit Card Debt - How Much Are You In?
Posted by Kara
Posted by SweetestOfPeas
Posted by Kara
Just as an FYI, paying your credit cards in full every month is less helpful for your credit score than carrying a low balance.
We pay our CC balances down to about $100 every month -- money we could easily pay off. I don't consider that "debt" as it's something we do for a purpose and could pay off at any time.
well it hasn't hurt my credit score. last time I checked it was 804
I didn't say your credit score would be in the crapper. I was merely pointing out that it can be helpful to your credit score to carry a balance.
Sheesh!
even at 3.9% which what I have on my Discover card, I am still paying more. I just cannot justify it. no one is arguing that paying interest is bad for your credit.
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| Posted 6/27/07 1:39 PM |
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JustJack
:)
Member since 2/06 2041 total posts
Name:
J
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Re: Credit Card Debt - How Much Are You In?
Nothing
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| Posted 6/27/07 1:47 PM |
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Marcie
Complete Happiness :)
Member since 5/05 27789 total posts
Name:
LOVE being a Mommy!
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Re: Credit Card Debt - How Much Are You In?
Way too much 
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| Posted 6/27/07 1:49 PM |
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november12003
Love my boys...
Member since 5/05 2412 total posts
Name:
Jenn
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Re: Credit Card Debt - How Much Are You In?
Posted by Marcie
Way too much
Me too
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| Posted 6/27/07 2:02 PM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Credit Card Debt - How Much Are You In?
wow it looks like either people have nothing, or a lot!
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| Posted 6/27/07 2:02 PM |
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MrsPornStar
Partners in crime
Member since 10/05 14656 total posts
Name:
Mama
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Re: Credit Card Debt - How Much Are You In?
ZERO!!
After the wedding, we paid off the remainder of DH's credit cards. Since then, we've paid the balance in full every month.
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| Posted 6/27/07 2:04 PM |
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