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View Poll Results: Credit card debt
None to $100 31 43.06%
$100 to $500 4 5.56%
$500 to $1500 8 11.11%
$1500 to $3000 7 9.72%
$3000 to $6000 6 8.33%
$6000 to $10000 8 11.11%
$10000 to $15000 0 0%
$15000 to $30000 4 5.56%
$30000 to $50000 3 4.17%
over $50000 1 1.39%
Voters: 72. You may not vote on this poll

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Old 06-18-2006, 06:48 PM   #1
 
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Default Poll: Your consumer debt

So, how much debt are you looking at? Just your credit cards, charge cards, that sort of thing. Not cars, mortgages or investments.
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Old 06-18-2006, 06:51 PM   #2
 
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None, but I'm only 18. My parents have like over 70k and won't let me get a credit card. I don't blame them, I'm a little afraid of them now.
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Old 06-18-2006, 06:56 PM   #3
 
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None and we purchase almost everything anymore with credit cards. We just pay them off each month.
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Old 06-18-2006, 06:59 PM   #4
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About $7000 in credit card debt. The bad thing is that it's from years ago. I don't use them often and after I pay them off I will never! use them again. Only for strict emergencies.
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Old 06-18-2006, 07:03 PM   #5
 
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None. We cut up our credit cards a couple of years ago and paid them all off. Now all we have is mortgage and 2 car notes. I will get a commission check this month that will probably pay off everything we owe on those! Woohoo!
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Old 06-18-2006, 07:07 PM   #6
 
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NADT!
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Old 06-18-2006, 07:13 PM   #7
 
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I had about 8 credit cards with almost $5000 in debt. Yea, I joined the military got myself out of the whole I dug myself into and am happy to say I am down to one credit card with about $600 bucks on it because I just bought a new digital camera, I dont use it for everyday items like I used to. Im glad I figured out the whole credit card thing when I was young though(18-20 years old), now I know how to handle it all much much better(Im 24)!!
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Old 06-18-2006, 07:40 PM   #8
 
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None. We paid them off three years ago with a home equity loan and vowed to never get into credit card debt again. Everything we've charged since then has been paid off the same month.
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Old 06-18-2006, 08:06 PM   #9
 
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We have no debt.

I have one card that I use to get points for airline miles and a Nordstrom card. I pay those both off every month. DH has a card he uses to get points and we pay that off every month too.

If you don't pay things off every month it is so awful because you end up paying so, so much more for the items you charged.
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Old 06-18-2006, 08:53 PM   #10
 
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None.

I used to think it was cool to have a credit card collection. But back then if you wanted to charge something in a dept store you had to use their credit card. Once they all began to take Visa/MC I started to close up all those individual accounts - except for Macy's because I shop there the most.

Other than that I've got one credit card and a debit card and that's it.
Sometimes it really hard to say "no" when I'm a store that offers extra discount for opening up a card but then again I like my credit finances streamlined so I just say "no thanks".

I also think that if my wallet ever got stolen I have a lot less companies to notify to close my accounts.
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Old 06-18-2006, 08:54 PM   #11
 
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Oops, DP.
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Old 06-18-2006, 09:50 PM   #12
 
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Way too much! We were both attending grad school and living off of loans and credit cards. Then we were doing unpaid internships (although his were paid they didn't pay much). Then we were unemployed but looking for work. My husband finally declared bankruptcy a year or two ago and got rid of his debt. Finally I did the same (recently), realizing that we would be living like poor people even with a job while paying both our loans plus my credit card debt. We're still living like poor people because I just got a temp job recently and haven't even gotten paid yet--I'll be so relieved when this is all behind us!

For those with no debt--good for you!
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Old 06-18-2006, 11:02 PM   #13
 
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None. I only have 1 credit card jointly with hubby.
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Old 06-19-2006, 04:06 AM   #14
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I've never had a credit card.
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Old 06-19-2006, 04:16 AM   #15
 
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No credit card debt here. I only use my mine for buying stuff on the internet and emergencies. I pay it off in full when the statement comes.
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Old 06-19-2006, 06:21 AM   #16
 
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I pay my balance every month.

I've never had any kind of loan except a mortgage. I've always paid cash for cars. When I was younger and poorer, I would save up for a car instead of taking a loan. I never bought a new car until I was in my late 30s.
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Old 06-19-2006, 07:15 AM   #17
 
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Quote:
Originally Posted by munchkin
None and we purchase almost everything anymore with credit cards. We just pay them off each month.
me too.
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Old 06-19-2006, 07:22 AM   #18
 
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None to speak of. We keep a small balance because it's just a good idea to do so -- like less than $200.
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Old 06-19-2006, 07:23 AM   #19
 
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Ours is $1,200 because of hubby's chiropractic care... we get it all back from the insurance company but it takes a while!
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Old 06-19-2006, 08:53 AM   #20
 
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Quote:
Originally Posted by PixieCurl
Quote:
Originally Posted by munchkin
None and we purchase almost everything anymore with credit cards. We just pay them off each month.
me too.
Same here. I did the usual charge my way through college and it took me a few years to pay it all off. Luckily I didn't dig myself too deep of a hole, but enough where credit card debt scares me and I vowed never to be in that situation again.
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