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How many credit cards do you have?


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Poll: How many credit cards do you have?

How many credit cards do you have?

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#16 ~~KylieB~~

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Posted 30 August 2005 - 10:18 AM

I only have the one card, Hubby has two, but is trying to pay one off so that he only has one
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#17 scasey77

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Posted 30 August 2005 - 10:33 AM

We have 2 credit cards between us. For us its not a matter of having them for when we don't have enough money. We use them instead of cash whenever possible but pay off the balance every pay day and therefore don't pay any interest. We just figure we are going to spend the day to day money anyway so why not accumulate freq flyer points for it and get some free flights. We actually managed to get about $5,000 worth of free flights for our honeymoon meaning we can have a bigger honeymoon than if we had to try and pay for the whole lot.
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#18 karry327

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Posted 30 August 2005 - 10:43 AM

We have a line of credit home loan, so live off 1 credit card & pay it off in full every month. I have recently gotten a back up card from Aussie which has a very low interest rate which is assisting us with juggling wedding expenses. Future use of this card will be emergency only.

#19 LizHollins

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Posted 30 August 2005 - 11:17 AM

smile.gif Okay here it goes. I voted 2 but that is just counting mine. I also have a debit card. Craig has a St G VISA, a My Card master card which we have just used to consolidate some debt, a work Amex and also a GE card used for interest free furniture purchases only. It seems like a lot but it is not really. Mostly we dont use the cards and having recently just consolidated there are 3 that have no debt on them and one on which the debt is interest free. It is all about making sure that you use them wisely and don't spend more than you can afford.
We will probably be getting rid of 2 of them now that we have consolidated as well. It is all a bit confusing. tongue.gif

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#20 Foxglove

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Posted 30 August 2005 - 11:18 AM

I have one mastercard which I recently paid off, which I am very happy about. We used to have 3 credit cards between us but have recently cancelled 2 of them, and I dropped the mastercard limit right down to $500. I like to have it just for emergencies, but I didn't want the temptation of a large credit limit anymore. We also have a VISA debit card each but since we have no line of credit with these I don't really think of them a credit cards.

It feels so good to be out of debt finally. Although we just bought a house last week so we are straight back into HUGE debt, but I don't mind so much since we finally have our own house!
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#21 hearts_in_asia

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Posted 30 August 2005 - 11:52 AM

I have one, from a bank.
Dylan has two, one which doesn't get used. Theother has a lower interest rate, he got it to put his motorbike on it.
We just got a GE card the other day because we are getting a new table and had to go on a finance thingy to do it but that card will NOT be activated (27% interest? Are you SERIOUS?!), we had not choice about the card, it arrived in the mail!
So I'm sticking with 3 cards between us, 2 which we actually use.
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#22 busybride

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Posted 30 August 2005 - 11:53 AM

We've all but paid our credit card off now, which is a relief, since I am now pregnant and looking at maternity leave next year.

Its going to be hard enough while I'm not working, without having to pay a credit card off too. So, as worried as I am about finances next year, I guess I should be thankful we don't have that damn credit card to worry about also.

Looks like we are going to apply to the bank to get our mortgage payments reduced for the time that I'm off work, as I just don't think we would cope otherwise, as most of my pay goes on the mortgage. I guess its a great thing to have your own house before you start a family, but it doesn't seem to make it any easier!

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#23 cassarilda

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Posted 30 August 2005 - 12:15 PM

I only have one, and it only has a $500 limit... my bankcard only allows 10 free transactions per month, and I pay if I use it at a bank atm that isnt my bank....

So the credit card was for emergencies but also my uni has become cashless... thats right, you HAVE to have a card of some sort in order to pay your fees (or in my case pay for developing of film etc)... Great way to encourage youth/student debt dont you think?! rolleyes.gif

But mainly I got it cos I do tend to spend a lot of little amounts within a small time period (again, film, developing, transport, food, props etc), so whilst I use my bank card for larger purchases, I use my credit card for the little things, and top it up regularly,.. I like to stay in the black. smile.gif
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#24 cassarilda

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Posted 30 August 2005 - 12:18 PM

oh and Katie,... those GE cards are HELL!!! I would not recommend using one... H2B had one and it was terrible!

Another funny thing about being a student is that when you are poor, and receiving centerlink payments and telling them you arent working, and already have a credit card/debt, you receive HEAPS and I mean HEAPS of offers from other banks giving you special deals etc, pre-approval... but once you tell centerlink that you have a job of sorts, or are earning some money, the offers stop completely! Interesting!! dry.gif
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#25 rebecca_janet

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Posted 30 August 2005 - 12:22 PM

We have two but only use one of them, and we are religious with paying that off in full each month (in fact, it debits automotically). We've kept our old one as our emergency card when we go overseas next year. (H2B also used it to buy my e- ring as he knew I would notice the $ missing from our savings)

We only have a credit card because the money we keep in our savings account debits interest off our home loan, as well as the convenience of not carrying cash everywhere. (I.e. not to fund a lifestyle which we can't afford).

#26 kimbalina

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Posted 30 August 2005 - 12:40 PM

27%!!!!!!!!!

Holy crap, that is daylight robbery.

So far, we save our money and then go travelling...thats how we live...same with purchases...we save like buggary and then flash the cash.

The debit card is awesome, I can do all the same things as credit but with my own cash...

but no free flights...this is certainly food for thought!
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#27 MrsS

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Posted 30 August 2005 - 04:03 PM

I've got an Amex, two Visas, one GE card, one Coles Myer card and one DJs card! *gulp*

*The Amex is our bad one (we actually owe money on that one!) but we are paying that off. And it helps that not many places accept it!
*The two Visas will be going shortly...one in two weeks and one in two months. The one going in two weeks is the corporate card and I'm having it put into someone else's name before I go on Mat Leave. The other one is my Fringe Benefits card and since I stop getting paid soon (5 weeks of work and 3 weeks of annual leave) I won't be having any more money credited to it. sad.gif
*The GE card hasn't been activated...we had to get it when we bought the fridge on an interest free plan which is being paid out in a fortnight (gotta love the tax return!) but I'll keep the card in case we decide on more purchases through them. Well, that's assuming they don't charge us anything to have the card just sitting there...otherwise I'll close the account totally!
*The Coles Myer card....I overpaid $3 about two years ago and that's all that shows up on my statements! I really should spend that money, shouldn't I?
*DJs also has a credit of about $5. laugh.gif

So, it sounds bad but it's not as bad as it seems...IYKWIM.


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#28 hearts_in_asia

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Posted 30 August 2005 - 06:02 PM

QUOTE
*The GE card hasn't been activated...we had to get it when we bought the fridge on an interest free plan which is being paid out in a fortnight (gotta love the tax return!) but I'll keep the card in case we decide on more purchases through them. Well, that's assuming they don't charge us anything to have the card just sitting there...otherwise I'll close the account totally!

GE cards are awful really, we had to use GE finance to get a fridge a few years ago (desperate situation being fridgeless!) and OMG I swear we rang them like 4 times to close the bloody account and every month we'd get letters saying you owe us $0.... plus $2.50 (or whatever) account keeping fees for an account we'd closed! PAIN IN THE BUM and I can hardly believe we've gone with them again but I really really really wanted a new table!
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#29 Daybreak

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Posted 30 August 2005 - 07:29 PM

I've had a debit VISA since I was 18 - works like a credit card, but only spends money I actually have (though I've never tried to spend more) I got it for travelling overseas, though in all honesty I don't think I relly needed it. I've found it useful since for things like paying bills online (though when I have no money, I just use mum's card and pay her back) I'm temporarily without one at the moment, as I've just changed banks, so I've handed the old one in and am waiting for approval on a new one.

Andrew also has a debit visa.
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#30 Leanne

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Posted 30 August 2005 - 10:15 PM

OMG! I would have a coronary with so many cards!

We only have one... We had two, but one was inactive until yesterday when we cancelled our main card (WOO HOO! Relief) and activated this one with a MUCH lower interest and limit.

Such a relief.

I still can't get over... 4? YOINKS!

I hate that we have one, but it comes in handy from time to time smile.gif

The thought of frequent flyers is always nice, but higher interest is charged with rewards programs such as that, so hubby man and I, atleast for now, have opted not to have any programs like that on our card.






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