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Forum: Financial Planning and Budgeting

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  #1  
June 25th, 2011, 08:29 AM
JessP's Avatar Lovin life and family
Join Date: May 2009
Location: Washington
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What made you get your first credit card?
Do you get them to get the first day discount?
Where do you keep them (i.e. wallet, freezer, shelf, etc)?
Once you are out of debt will you close them all?
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  #2  
June 25th, 2011, 08:36 AM
jhmomofmany's Avatar Look! A Dancing Banana!
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Location: Upper Michigan
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we got our first credit card because we thought it was the only way to build credit history.

we ran them up using them for living expenses during hubby's first period of unemployment (9 months).

they now reside in little bitty pieces in the landfill.
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  #3  
June 25th, 2011, 09:39 AM
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Join Date: Oct 2006
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I got my first one in high school when I worked at JCP. I got it for the extra savings.

I didn't get a real (aka non-store) one until the end of college when hubby(then BF) convinced me I needed them to build credit. WRONG!

We still have maybe a some cards-Kohl's, Sears, Toys R Us for the extra perks, the one we use each month, hubby's airplane one-these are ones we carry with us. We have other ones that are kept in a drawer at home. We closed some other ranom store ones over the years though.

I do think it is possible to be responsible with cards and I will NEVER be tempted to be bad with them again!
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  #4  
June 25th, 2011, 09:06 PM
LJD3Tdance's Avatar Platinum Supermommy
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What made you get your first credit card? Idk, I guess just to build credit history I think
Do you get them to get the first day discount? I have...
Where do you keep them (i.e. wallet, freezer, shelf, etc)? in the trash...
Once you are out of debt will you close them all? ...they're closed...
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  #5  
June 28th, 2011, 08:01 PM
PuppyLove22's Avatar Mega Super Mommy
Join Date: Jun 2011
Posts: 1,669
What made you get your first credit card? BUILD CREDIT

Do you get them to get the first day discount? I HAVE

Where do you keep them (i.e. wallet, freezer, shelf, etc)? MOST ARE CLOSED AND TRASHED. I HAVE ONE IN MY WALLET.

Once you are out of debt will you close them all? YES!
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  #6  
June 29th, 2011, 09:31 AM
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I no longer have credit cards...

What made you get your first credit card? Building credit
Do you get them to get the first day discount? No
Where do you keep them (i.e. wallet, freezer, shelf, etc)? Don't have any
Once you are out of debt will you close them all? Yes. Oh wait, I already did!

We are going to get a debit card because there are a growing number of places that will not take cash or check anymore. It's an aggravation. DH wants to get a small credit card down the road.
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  #7  
July 5th, 2011, 09:47 PM
Mega Super Mommy
Join Date: Nov 2010
Posts: 3,972
What made you get your first credit card? I thought I needed it to build credit.
Do you get them to get the first day discount? nope... just took the first one that accepted my application
Where do you keep them (i.e. wallet, freezer, shelf, etc)? in my wallet
Once you are out of debt will you close them all? no... I only have 1 which is paid off every month. I also have 1 debt card. Thats it... no other cards.
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  #8  
July 7th, 2011, 08:21 AM
wefrogy's Avatar Platinum Supermommy
Join Date: Jul 2007
Location: Florida
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I got my first one at a retail store for the open a new account bonus and freebie

I keep them in my wallet

I've had a couple closed on me for non activity and closed at least one because they started charging and annual fee
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  #9  
July 7th, 2011, 05:34 PM
Happy Song's Avatar Nicole
Join Date: Jan 2010
Posts: 10,921
What made you get your first credit card? I turned 18 and my mom got me a gas card.


Do you get them to get the first day discount? No not really applying for too much credit drags you down.

Where do you keep them (i.e. wallet, freezer, shelf, etc)? We have none

Once you are out of debt will you close them all? When we paid the accounts off, we closed all the accounts but when we needed credit we had to reapply and that wa s a pain. Now all of those cards are closed and charged off, and slowing turning into Judgments.
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  #10  
July 9th, 2011, 09:17 PM
Platinum Supermommy
Join Date: Aug 2005
Location: USA
Posts: 7,429
What made you get your first credit card? To build credit.

Do you get them to get the first day discount? No, never had a "first day discount" with any of them.

Where do you keep them (i.e. wallet, freezer, shelf, etc)? Used to keep them in my wallet, don't have any anymore so don't keep them anywhere.

Once you are out of debt will you close them all? We are out of debt and have been for a long time now (minus our house loan). We closed all of our credit cards and do not have any anymore and that's the way it will stay.
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