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A bit of dry humor about the credit card industry...
This video of a credit card funeral made my tech list today. It's been around for six years; a writer created it for her book. Did she sell more books to help people get out of credit card debt? I don't know. I was lucky -- I saw a member of my extended family get into trouble with only a couple of plane tickets. That person struggled to make them go away paying monthly, but of course they lingered forever. I know several people who had to declare bankruptcy over bills that never went away.
http://www.youtube.com/watch?v=AWR6TgJIPWQ
It's ironic now that since I've been ill, and Quicken would no longer download from my bank, I had to transition into credit cards so I knew what was actually being spent. I finally started a roster so I had no surprises at the end of the month. But I pay them off each month. In fact, when a plane ticket or unexpected medical ($470 in dental last month) jacks up the cards, I pay more than that month's cost, so the next month isn't so bad. And then the card gets little or no use. (I buy meds with AMEX, since I have a Costco membership. Other medical fills out the usual bills, with gasoline and some food.) It's a rule that is broken only to establish credit or take advantage of a one year no credit deal. (You must divide and have it paid off in 11 months, just to be sure you don't get careless....)
Be very cautious and pay attention to your bills right now -- some banks are switching to 21 day no interest. Don't get caught big!
http://www.youtube.com/watch?v=AWR6TgJIPWQ
It's ironic now that since I've been ill, and Quicken would no longer download from my bank, I had to transition into credit cards so I knew what was actually being spent. I finally started a roster so I had no surprises at the end of the month. But I pay them off each month. In fact, when a plane ticket or unexpected medical ($470 in dental last month) jacks up the cards, I pay more than that month's cost, so the next month isn't so bad. And then the card gets little or no use. (I buy meds with AMEX, since I have a Costco membership. Other medical fills out the usual bills, with gasoline and some food.) It's a rule that is broken only to establish credit or take advantage of a one year no credit deal. (You must divide and have it paid off in 11 months, just to be sure you don't get careless....)
Be very cautious and pay attention to your bills right now -- some banks are switching to 21 day no interest. Don't get caught big!