Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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Have You Sworn Off Credit Cards?

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  • #31
    I use a credit card to build up my credit, but I never spend more than I have so that I never end up in debt.


    • #32
      Yes we have sworn off credit cards! We use debit cards and can only spend what is in the account at that given time. Have used it everywhere and not been refused anywhere. Maybe because it has a "Visa" logo on it with a 16 digit number and "Debit" is in small print in the corner. We will not be at the mercy of big banks ever again that can toy with your interest rate, monthly payments and credit limits at there will just "because". This is part of what got us here in the first place. At one point we were juggling 9 credit cards. How foolish!
      Filed July 2009. Discharged 08/08/2014. Awaiting closing. We made it !!!! Woo-hoo!


      • #33
        I now have one card. The interest rate is decent. It came from my credit union. The limit is relatively small and I am fine with it. The trouble came before when I felt that because I had a high score, the more credit the merrier! I felt validated by having multiple accounts with high limits. I became obsessed with checking my credit score daily. It was crazy. Now, I am happy to have just the one. I have a couple store cards that have zero balances from before the bankruptcy and I charge small amounts that I pay off. Life is good. I'm in control.


        • #34
          After bankruptcy it can be useful to use credit cards for day-to-day purchases to rebuild credit. Only carry a balance that you can pay off every month.


          • #35
            I have four sons and if there is wedding, grandbaby or emergency with any of them, I need to be able to fly to get to them as they live in four different states (Pacific coast to Atlantic coast) and driving is out of the question. I have to be able to buy an airline ticket at fully price if immediate. As a woman who can't stay in cheap dives (handicapped and quite vulnerable), and needing a car rental or multiple taxi rides for wherever I'm staying. I might also have to buy the mother of the groom wedding/dinner dresses, shoes, handbags, etc (you women out there understand) I don't like to carry a lot of cash around. So, I NEED a credit cards. I've had a very bad and potentially very costly problem with a debit card and refuse to use them.

            So, I have $3000 in available credit, which would pay for any/all of the above. In any case, I can pay them off completely within two months. But, I've not paid a cent of interest and pay off my credit cards in full every month, since my first card, a CapOne card I received a month after my Chapter 7 discharge, two years ago.


            • #36
              I like cash.


              • #37
                To be honest yes,


                • #38
                  Since JassicaT revived the thread (and I have not been on this board for 5+ years), how are y'all doing with this now?

                  For us, up until this last year, we had kept our credit cards limited to the same CapitalOne card I cited earlier. The limit was increased to $1200, and most months, we paid it to zero. We mostly stuck to that policy and have used other credit for things like needed tires - also paid off quickly. Doing this, our scores slowly climbed from the 620s to 660-680 most months up until last year. That was enough of a bump however to get us into a newly financed VA backed home, as well as to purchase a new car while paying down the existing loans on our other vehicles.

                  My wife is no longer around, but I was able to pay off all remaining debt on the vehicles and opened up another credit card that is still used much like the original card. In that time, my score has jumped radically from the previous high range to ~740 when I checked it yesterday. Granted, a little more than 2 years from now wipes the BK off of my credit, but I find that number interesting nonetheless.

                  My intention is to continue using the two accounts I have like cash, keeping a couple of other smaller store cards active as well with zero balances, and I don't see any reason I can't sustain that going forward.

                  One last note: I had also opened up an AMEX card early this last year, doubling my limit and consequently bumping my score 20 points at the time. I was not happy with how they handled a dispute however and cancelled it paid in full - only to see my score drop 20 points!!!

                  If that doesn't show you what a racket the credit card industry is, I don't know what does.
                  Last edited by Snax; 10-25-2018, 09:01 PM.
                  Chapter 7 Filed 1/4/11
                  Discharged No-asset 4/1/11
                  And definitely NOT an attorney.


                  • #39
                    I wish I could just quit them forever. We just filed two days ago, I filed previously in 2008. I don't feel like I abuse credit cards, but, I probably do. Since we'll be in a 100% chapter 13, I don't think we'll get any savings built up anytime soon, unfortunately. I feel like if I could get some savings built up, I wouldn't really need one.


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