How much credit card debt do you have? - Blu-ray Forum

GetDown!!! · 01-07-2009, 05:53 PM

I rencently have bought so many Blu-rays and had car repairs etc that my credit card debt has climbed alot over the last several months. What about you guys?

Bizdady · 01-07-2009, 05:55 PM

Dont remind me lol Damn you holidays! Paying mine back down quickly though, I dont like having too much outstanding balance.

Uniquely · 01-07-2009, 05:56 PM

Quote:

Originally Posted by GetDown!!!

I rencently have bought so many Blu-rays and had car repairs etc that my credit card debt has climbed alot over the last several months. What about you guys?

It would probably be better to compare the amount of CC debt one has to their annual salary. $5,000 might be a huge amount to some, but just a week or two's pay to others.

My CC debt is usually less than 5% of my annual salary... and I usually pay it off in a month or two.

SHines-IT · 01-07-2009, 05:57 PM

About $200. I will pay it off, next month.

Go Blue · 01-07-2009, 05:59 PM

Quote:

Originally Posted by robinandtami

It would probably be better to compare the amount of CC debt one has to their annual salary. $5,000 might be a huge amount to some, but just a week or two's pay to others.

My CC debt is usually less than 5% of my annual salary... and I usually pay it off in a month or two.

$0

I don't use CC's anymore.

My mortgage on the other hand...

!!!

tommyboy81 · 01-07-2009, 06:00 PM

Quote:

Originally Posted by schultz

$0

I don't use CC's anymore.

My mortgage on the other hand...

!!!

lucky. $5500 here

FIDDYPOP · 01-07-2009, 06:03 PM

Zero, dont have any.

quexos · 01-07-2009, 06:04 PM

Quote:

Originally Posted by schultz

$0

I don't use CC's anymore.

My mortgage on the other hand...

!!!

Same here, except I never used credit cards. I have a debit card which is safer.
Yeah the mortgage is indeed another thing. But I can't complain. I'm good at managing my budget and all is under control, well so far

groovyone · 01-07-2009, 06:04 PM

ZERO. It is nice. I use mine for everything to earn points, etc, but always pay them off as soon as they post due. Using the monthly but paying off the balances also helps your credit score.

phlydude · 01-07-2009, 06:05 PM

too damn much (and I didn't use CC over the holidays) and I have curbed my spending habits big time

Working on paying them down - we took a few vacations and then had something unforseen occur (like wife lost her job) and accrued some debt with car repairs and higher fuel prices...

Income tax return is slated to paying down the debt

wormraper · 01-07-2009, 06:05 PM

zero, i don't spend more than i have

Skyline · 01-07-2009, 06:05 PM

$0.

We have a rewards card that we use for everything (groceries, gas, EVERYTHING), but we pay it off every month and never carry over a balance. The rewards get me BB gift cards, which allowed me to buy a 42" Panny Plasma for around $300 a couple of months ago

We have several other cards as well to boost our debt/credit ratio, but we never touch them.

Uniquely · 01-07-2009, 06:09 PM

Quote:

Originally Posted by Skyline

$0.

We have a rewards card that we use for everything (groceries, gas, EVERYTHING), but we pay it off every month and never carry over a balance. The rewards get me BB gift cards, which allowed me to buy a 42" Panny Plasma for around $300 a couple of months ago

We have several other cards as well to boost our debt/credit ratio, but we never touch them.

You might want to start using them to buy gas occasionally. I've had a few of my cards that I haven't used in a while closed recently due to inactivity. I think CC companies are really tightening their belts. I think they may be doing it to everyone because me CS is over 800.

york weir · 01-07-2009, 06:13 PM

Quote:

Originally Posted by phlydude

too damn much (and I didn't use CC over the holidays) and I have curbed my spending habits big time

Working on paying them down - we took a few vacations and then had something unforseen occur (like wife lost her job) and accrued some debt with car repairs and higher fuel prices...

Income tax return is slated to paying down the debt

I feel you and can relate.

stahl7639 · 01-07-2009, 06:16 PM

I just bought a new TV and bed, so I am down $3,000 right there.

But the real monsters in my wallet are my car payment and my school loans

mikejet · 01-07-2009, 06:17 PM

Paying off my wedding, its expensive to get married in Maui, but other than that nothing. As far as debt goes a car loan.

Steelmaker · 01-07-2009, 06:24 PM

Approx 7g's. I went through a nasty divorce a couple of years ago and as a result, I had to use my card to cover some of my legal expenses. Plus I lost almost everything I had so the first couple of months I had to charge it up just for everyday needs, expenses, etc. I'm chipping away at it though.

Blu-Benny · 01-07-2009, 06:27 PM

$700.

payment is going out this weekend.

mortage on the other hand, scary. that's the 1st thing to come off my 2nd paycheck every month.

the credit card dept is b/c of xmas gifts we had to buy @ the last min. it's usually not that high. it always gets paid off every month though. i have yet to accrue any interest on my credit card.

Teabaggins · 01-07-2009, 06:37 PM

luckily I have no debt other than my mortgage and I hope to keep it that way.

john_1958 · 01-07-2009, 06:42 PM

Quote:

Originally Posted by GetDown!!!

I rencently have bought so many Blu-rays and had car repairs etc that my credit card debt has climbed alot over the last several months. What about you guys?

paid mine off and then shread it

01-07-2009, 05:53 PM	#1
GetDown!!! Banned Member since:Jan 2009	How much credit card debt do you have? I rencently have bought so many Blu-rays and had car repairs etc that my credit card debt has climbed alot over the last several months. What about you guys?

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01-07-2009, 05:55 PM	#2
Bizdady Blu-ray Duke Member since:Nov 2007 Location:8 1 8 Biatch!! L.A. Home Theater Gallery:21 Blu-ray collection:209 Blu-ray reviews:1 Trading Score:38	Dont remind me lol Damn you holidays! Paying mine back down quickly though, I dont like having too much outstanding balance.

01-07-2009, 05:57 PM	#4
SHines-IT Special Member Member since:Dec 2008 Location:Eustis, FL Blu-ray collection:19 Trading Score:3	About $200. I will pay it off, next month.

01-07-2009, 06:03 PM	#7
FIDDYPOP Expert Member Member since:Jan 2008 Location:Chi-Town Home Theater Gallery:8 Blu-ray collection:444 Blu-ray reviews:1	Zero, dont have any.

01-07-2009, 06:04 PM	#9
groovyone Blu-ray Guru Member since:May 2007 Location:PSNetwork: groovyone	ZERO. It is nice. I use mine for everything to earn points, etc, but always pay them off as soon as they post due. Using the monthly but paying off the balances also helps your credit score.

01-07-2009, 06:05 PM	#10
phlydude Power Member Member since:Mar 2007 Location:Winter Garden, FL USA Playstation ID: phlydude Blu-ray collection:132 Trading Score:1	too damn much (and I didn't use CC over the holidays) and I have curbed my spending habits big time Working on paying them down - we took a few vacations and then had something unforseen occur (like wife lost her job) and accrued some debt with car repairs and higher fuel prices... Income tax return is slated to paying down the debt

01-07-2009, 06:05 PM	#11
wormraper Blu-ray Archduke Member since:Aug 2007 Location:Tucson Arizona 4K collection:960 Blu-ray collection:5288 Blu-ray reviews:2 Trading Score:571	zero, i don't spend more than i have

01-07-2009, 06:05 PM	#12
Skyline Active Member Member since:Jan 2009 Blu-ray collection:98 Blu-ray reviews:1	$0. We have a rewards card that we use for everything (groceries, gas, EVERYTHING), but we pay it off every month and never carry over a balance. The rewards get me BB gift cards, which allowed me to buy a 42" Panny Plasma for around $300 a couple of months ago We have several other cards as well to boost our debt/credit ratio, but we never touch them.

01-07-2009, 06:16 PM	#15
stahl7639 Active Member Member since:Dec 2008 Location:Pittsburgh, PA Blu-ray collection:17 Blu-ray reviews:1	I just bought a new TV and bed, so I am down $3,000 right there. But the real monsters in my wallet are my car payment and my school loans

01-07-2009, 06:17 PM	#16
mikejet Banned Member since:Sep 2008 Location:Los Angeles, CA Blu-ray reviews:5 Trading Score:29	Paying off my wedding, its expensive to get married in Maui, but other than that nothing. As far as debt goes a car loan.

01-07-2009, 06:24 PM	#17
Steelmaker Blu-ray Duke Member since:Mar 2007 Location:Chattanooga, TN Blu-ray reviews:1 Trading Score:1	Approx 7g's. I went through a nasty divorce a couple of years ago and as a result, I had to use my card to cover some of my legal expenses. Plus I lost almost everything I had so the first couple of months I had to charge it up just for everyday needs, expenses, etc. I'm chipping away at it though.

01-07-2009, 06:27 PM	#18
Blu-Benny Michael Bay's #1 Fan Top contributor Member since:Aug 2008 Location:Wisconsin Home Theater Gallery:39 Blu-ray collection:552 DVD collection:108 Trading Score:138	$700. payment is going out this weekend. mortage on the other hand, scary. that's the 1st thing to come off my 2nd paycheck every month. the credit card dept is b/c of xmas gifts we had to buy @ the last min. it's usually not that high. it always gets paid off every month though. i have yet to accrue any interest on my credit card.

01-07-2009, 06:37 PM	#19
Teabaggins Blu-ray Samurai Member since:Aug 2008	luckily I have no debt other than my mortgage and I hope to keep it that way.

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