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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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#31 Heidi

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Posted 30 August 2005 - 10:45 PM

Just the one, but attempting to get rid of the thing, not a good idea!

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#32 ~Kerensa~

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Posted 30 August 2005 - 10:55 PM

woolies master card and coles myer card

joff has commonwelath master and virgin visa

#33 hipster

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Posted 31 August 2005 - 10:43 AM

We have 3 credit accounts in total - a personal one and a joint one.
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#34 melissah

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Posted 31 August 2005 - 12:58 PM

Between the two of us we have five but they are all for different reasons.
ANZ Low Rate - Everyday spending
ANZ Gold - When the other one runs out.
WBC Gold - Work Expenses
GE Finance - store credit for long term interest free purchases (just bought a new bbq)
Virgin - Funded a portion of the deposit on our home.

We are a little in over our heads at the moment but that is about to change as we are selling an investment property to clear the debt so we can start spending for our wedding.

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#35 ~Alicia~

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Posted 31 August 2005 - 01:19 PM

Im with Kimba i dont have one at all.

Hubby has a GE but thats nearly gone but came in handy when i wanted a new couch lol.

#36 Mel W-C

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Posted 31 August 2005 - 01:24 PM

Way to many!!

between us we have 7 ohmy.gif ohmy.gif


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#37 ~*MrsD*~

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Posted 31 August 2005 - 01:31 PM

We've got a MasterCard each, a linked AMEX each and a Gold AMEX each (unlimited).

These are all paid off every month without fail - I NEVER pay interest! We only spend money that we already have saved, but I don't like carrying cash and I like collecting the frequent flyer points!

Works for us, but you do have to be very disciplined with money/spending.

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#38 Debb

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Posted 31 August 2005 - 01:50 PM

I don't have a credit card at all - was very naughty with my very first one about 12 years ago (geez I sound old!) and learnt the hard way.

Now all I trust myself to have is a Visa Debit.

DH has 2.
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#39 Ruby

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Posted 31 August 2005 - 02:02 PM

I have a mastercard with a very large credit limit, ohmy.gif it is at it's limit now, but the interest is very low, so it was cheaper to put the house renovations on that then get a loan.

Hubby had a frequent flyer visa - we flew his Mum over from NZ for the wedding and back on the points off that wink.gif

We are applying for a GE credit card to get our new couch, but only cos it's 18 months interest free and we can pay it off well before interest kicks in.

It is hard though - I am constantly sent letters saying that if I don't reply within 30 days they will assume I want a credit crad with X limit - very hard to call up and say no thanks sad.gif

We really are in alot of debt, but it's manageable debt with most of it in real estate.

Honestly I'm not fussed about my credit card, if we have a hard pay we put a couple hundred on it and if we need it, get it out again. There's no pressure to pay it all off.
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#40 jodie1980

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Posted 31 August 2005 - 02:52 PM

We only have one we used to have two but we just paid one off and closed the account thank god!! I will never ever get another one!!!
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#41 pennycakes

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Posted 04 September 2005 - 12:34 PM

i only have 1 visa that i applied for as soon as i turned 18 so i could get frequent flyer points. at the moment i have enough for a trip to NZ, all from buying my every day things.
i did have about 3 other cards, but i only applied to see who would approve me and then they just sat in my wallet looking pretty! (i never activated them)

i ALWAYS pay off my whole monthly amount each month, the bank is NOT getting any interest from me!!

my limit has always been $2000 and the bank sends me letters to increase, but i always ignore them.
the scary thing is that i was approved for $2000 when i was working full-time earning $20K, but my friend applied recently and she is a fulltime student who only works 1-2 days a fortnight - they approved her for $6500!!

and i also have so many friends who are continuously increasing their limits or applying for new cards just so they can pay for things like car insurance...

#42 goodgirl

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Posted 04 September 2005 - 01:47 PM

QUOTE (vodkacrumble @ Sep 4 2005, 12:34 PM)
the scary thing is that i was approved for $2000 when i was working full-time earning $20K, but my friend applied recently and she is a fulltime student who only works 1-2 days a fortnight - they approved her for $6500!!

and i also have so many friends who are continuously increasing their limits or applying for new cards just so they can pay for things like car insurance...

Yep, this was me a few years back!! I already had 2 credit cards, was a uni student and working part time. Unfortunately my car insurance, rego etc was due a couple of days before christmas and I was completely out of money.

So I applied for a credit card with a major bank via the internet, got a call the next day to say I had been approved and my card was ready to be picked up. When I got it I asked the teller how much my credit limit was - $15,000!!! ohmy.gif I almost dropped dead on the spot! How they ever thought that I would be able to pay that back if I got it to the limit, I will never know!

I still have 2 credit cards and DH has one also. I try to put all my purchases on one that gives reward points but has a high interest rate and then pay it off with my low interest, no rewards card. That way if I can't pay it off in full I pay the lower interest and still get the benefits of frequent flyers! tongue.gif

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#43 Busterella

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Posted 04 September 2005 - 11:37 PM

I have 2. One in Australia and one in the UK. We are using them a lot for our wedding deposits etc but we do tend to pay them off on time and don't have much owing on them. The points are handy as well.
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#44 Mz Sazzy Angel

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Posted 12 September 2005 - 01:54 PM

I have none to date! tongue.gif It wasn't by choice though laugh.gif When I turned 18yo I practically ran to the bank to get a CC and then spent it all and my Mum had to pay for it sad.gif so she now tells me that I am blacklisted but to be honest I just think she doesn't want me to go for another CC smile.gif

However, since then I have become more mature and so I was thinking about getting a CC strictly for emergencies or to purchase items via CC to earn points and so as to not have to carry $$$.

As most of the girls have said just as long as you don't overuse and you pay the whole thing in the interest free period you shouldn't have any problems. I've seriously learnt as my Mum is in about $30k of CC debt and I just do not want to have the hardship that she has and it's not for any assets she just lives the highlife too much without the $$$.
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#45 ~*Lanie*~

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Posted 12 September 2005 - 02:08 PM

I have two, and hubby has one. What I found scary though, was that they were willing to give ME cards based on HUBBY's income! blink.gif I wasn't working, nor getting anything from centrelink, but they said "hey, hubby's income's okay, how about it?" blink.gif
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