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Posted: 11/3/2009 5:02:37 AM EST
[Last Edit: 11/3/2009 5:05:46 AM EST by Danner130]
Which amount is closest to what you're carrying?

ETA: It would be interesting to post this same poll on the DU, I bet the amounts would be much higher. Just sayin'.
Link Posted: 11/3/2009 5:03:22 AM EST
0
Link Posted: 11/3/2009 5:03:30 AM EST
0
Link Posted: 11/3/2009 5:04:16 AM EST
0
(shredded it 8years ago)
Link Posted: 11/3/2009 5:04:16 AM EST
$108 bucks total.

Gave up on carrying large balances six years ago when it ruined me financially.

Learned my lesson.
Link Posted: 11/3/2009 5:04:19 AM EST
[Last Edit: 11/3/2009 5:05:58 AM EST by Angelshare1]
Zero! I did have 21,000 at one time though. Managed to float most of it at 0% for about 5 years. You can't do that anymore. The funny part is, my credit rating was excellent when I had all that debt. Now that I paid it off and I'm responsible, it has gone down.

Edit: Want to know how to do an interest/fee free cash advance? Get a zero intro card, pay off another card that doesn't have a balance, then have them send you a check for the overage. Zero fees.

Link Posted: 11/3/2009 5:04:34 AM EST
$0...well $1130 until the automatic payment comes out this month
Link Posted: 11/3/2009 5:04:51 AM EST
$0

No car payments either.

No debt period.

No house though .
Link Posted: 11/3/2009 5:06:05 AM EST
Originally Posted By RckClimber:
$0

No car payments either.

No debt period.

No house though .


+1,

No car payments, no cable or cell bill, but I do have a monthly 200 dollar student loan that will be paid off in about 15 years! LOL
Link Posted: 11/3/2009 5:06:34 AM EST
Pay it off every month.
Link Posted: 11/3/2009 5:07:06 AM EST
still paying off one from college stupidity.... 'bout 6-7k left on it.

have one that I use- less then 1500- but I can get a toaster with the reward points!
Link Posted: 11/3/2009 5:07:36 AM EST
Too much, but not for long.

Bonus and Tax Return coming soon. Will wipe them out, at which point the cards themselves will be wiped out.

I hate those fucking things! They've caused me nothing but trouble!
Link Posted: 11/3/2009 5:07:41 AM EST
House and cars are paid off.

C/C is around 200 bucks until next week when I send them some coin. My C/C is a tool, not a bank.

Nothing on the planet is worth 124% of list price.
Link Posted: 11/3/2009 5:07:50 AM EST

I put zero, since my usual <$100 balance gets paid off every month.
Link Posted: 11/3/2009 5:09:45 AM EST
Originally Posted By callgood:
House and cars are paid off.

C/C is around 200 bucks until next week when I send them some coin. My C/C is a tool, not a bank.

Nothing on the planet is worth 124% of list price.


I like your last statement.

That being said, everything large item like a Plasma or a washing machine I wait and purchase it on a 12 or 18 month 0% interest plan through Sears, et al. Works great for me. Use their money for a year and a half!
Link Posted: 11/3/2009 5:09:47 AM EST
I am debt free except for rent, utilities, cable and insurance.
Link Posted: 11/3/2009 5:10:54 AM EST
Originally Posted By lumins:
I am debt free except for rent, utilities, cable and insurance.


Good going! It is hard to get there, but once you are there it is a good feeling. Good on you!
Link Posted: 11/3/2009 5:12:02 AM EST
$0, with a max of $498 on it at one point. I haven't used it since last....I don't know, over a year ago.
Link Posted: 11/3/2009 5:12:06 AM EST
About $175. I had to buy an alternator for the wifes car last week.

Normally its $0 balance.

Posted Via AR15.Com Mobile
Link Posted: 11/3/2009 5:12:29 AM EST
Zero
Link Posted: 11/3/2009 5:13:02 AM EST
0
Link Posted: 11/3/2009 5:14:02 AM EST
A little over 2K and its pretty stable there.

Some student loans too, and Im not out yet.

Link Posted: 11/3/2009 5:14:44 AM EST
Originally Posted By InjunJoe:
0


This. I don't have any credit cards.
Link Posted: 11/3/2009 5:16:19 AM EST
About $400 total right now.

Credit cards kicked my ass when I turned 18 and I shy away from 'em now.
Link Posted: 11/3/2009 5:18:12 AM EST
[Last Edit: 11/3/2009 5:19:35 AM EST by Sig_Fan]
Originally Posted By Nulllogik:
A little over 2K and its pretty stable there.

Some student loans too, and Im not out yet.



I detest my student loans greatly.

It seems like the one debt that take FOREVER to pay off.

I looked at my remaining balance after paying on it for the past 5 years and I still have 15 to go.

Oh well, it is a manageable debt because of the low interest rate (2.5%) so I am thankful for that.

And I could have made just as much without a degree, but hey I am a "well rounded person" now. LOL

At least I finished a 4 year degree.

I could tell you of countless relatives like younger cousins and nephews that got a bunch of student loans, wasted it all, never finished school and have to pay for years to come without even the piece of paper from the experience.
Link Posted: 11/3/2009 5:18:13 AM EST

Originally Posted By PantherArms762:
Originally Posted By InjunJoe:
0


This. I don't have any credit cards.

Me either.

Got in way over my head when I was young and dumb. I don't keep one now.
Link Posted: 11/3/2009 5:18:26 AM EST
32,000.00


























oh wait, that was two years ago...

Zero now

Never again.

Link Posted: 11/3/2009 5:19:41 AM EST
0




Link Posted: 11/3/2009 5:19:44 AM EST
Zero. Same as my mortgage-zero.
Link Posted: 11/3/2009 5:19:55 AM EST
~$8K.

Link Posted: 11/3/2009 5:20:17 AM EST
I pay the CC off every month. The only debt we have is a car, our house, and a few thousand in school loans from my wife.
Link Posted: 11/3/2009 5:20:59 AM EST
Normaly I have nothing, but had to use my CC to reserve a weekend cabin in the smokeys so I have less than 1k on it now. That of course will be paid off at the end of the month.


Hate CC's.
Link Posted: 11/3/2009 5:21:04 AM EST
Originally Posted By Kuraki:

Originally Posted By PantherArms762:
Originally Posted By InjunJoe:
0


This. I don't have any credit cards.

Me either.

Got in way over my head when I was young and dumb. I don't keep one now.


How do you guys do things like obtaining a rental car, reserve a trip online for business or pleasure, or reserve a motel room?

My company has our people use their own credit card for booking business trips and the like and then they reimburse you three weeks later. In fact, every company I have worked for has had the employee use their credit card and then get reimbursed.
Link Posted: 11/3/2009 5:21:28 AM EST
Excluding house, My family has about $1200 of debt right now. Most of that's medical, about $200 is credit card. That should be paid off this month, thanks to some money from my wife's inheritance.
Link Posted: 11/3/2009 5:22:28 AM EST
Where is the "too much" option?
Link Posted: 11/3/2009 5:22:55 AM EST
Originally Posted By Goonpup:
Zero. Same as my mortgage-zero.


I would kill to be rent/mortgage free. Someday I hope I can accomplish this.
Link Posted: 11/3/2009 5:23:50 AM EST
only card I use is AMEX which is paid off every month. Just paid off the wife's car last month. Plan is to have the house paid off by next year. I will still have a vacation home I owe money on as well as a commercial property I run my company out of that I have mortgages on though.
Link Posted: 11/3/2009 5:24:44 AM EST
[Last Edit: 11/3/2009 5:26:10 AM EST by ag04blast]
ZERO, I pay it off every month. I dont spend money that I dont have. I use a credit card for purchase protection and the free stuff I get from points.
Link Posted: 11/3/2009 5:27:10 AM EST
I pay it off every month.

So, I guess that means zero.
Link Posted: 11/3/2009 5:27:55 AM EST
[Last Edit: 11/3/2009 5:29:08 AM EST by Subnet]
None.

I learned my lesson the hard way. Real hard way.

EDIT: I still have a credit card for things like reimbursable business expenses, car rentals...stuff like that.
Link Posted: 11/3/2009 5:28:50 AM EST
0.0

We scrambled for three years to pay off approximately $24k of high interest debt....I will never do that again, ever.
Link Posted: 11/3/2009 5:30:16 AM EST
[Last Edit: 11/3/2009 5:31:29 AM EST by Sig_Fan]
Originally Posted By Subnet:
None.

I learned my lesson the hard way. Real hard way.


Me too Sub. I had to use the "B" word six years ago, and vowed never again.

My CC debts ruined my first marriage (a joint use of irresponsibility) and nearly ruined my life.

It was all my fault, I blame nobody else.

Thankfully, once a person gets on the straight and narrow financially, it was relatively easy to obtain a 700 score by just using cards as a tool, not as an instrument of instant gratification.
Link Posted: 11/3/2009 5:30:22 AM EST
In 20 years of marriage we have never carried a balance....
Link Posted: 11/3/2009 5:31:08 AM EST
$0. Mine get paid off in full every month (both biz and personal cards).

Someone picked $500k?
Link Posted: 11/3/2009 5:32:15 AM EST
[Last Edit: 11/3/2009 5:32:58 AM EST by Mal_means_bad]
I have never had a credit card. I am 29, my house and truck is payed off, I have no debts other than utilities. I've lived like a pauper compared to others in my income bracket, but now I can bank as much as 30% of each paycheck. I'll start saving for a new house this spring, might be ready to buy something nice in 2-3 years. With cash. Unless I get stupid and marry again .

Originally Posted By Sig_Fan:
Originally Posted By Kuraki:
Originally Posted By PantherArms762:
Originally Posted By InjunJoe:
0


This. I don't have any credit cards.

Me either.

Got in way over my head when I was young and dumb. I don't keep one now.


How do you guys do things like obtaining a rental car, reserve a trip online for business or pleasure, or reserve a motel room?

My company has our people use their own credit card for booking business trips and the like and then they reimburse you three weeks later. In fact, every company I have worked for has had the employee use their credit card and then get reimbursed.


Debit card.
Link Posted: 11/3/2009 5:32:39 AM EST
Now that I am responsible and don't carry a balance, I got two letter a week ago.

Both of them stated in no uncertain terms that if I do not charge on the cards, they will be taken away.

Darned if you, darned if you don't.
Link Posted: 11/3/2009 5:33:04 AM EST
Originally Posted By hkhamartia:
32,000.00

oh wait, that was two years ago...

Zero now

Never again.


Lightweight.

At one point I had over $100K.

Divorce took care of half of that.
Link Posted: 11/3/2009 5:33:08 AM EST
Couple of years ago it was pushing $30k I'm glad that period of my life is behind me. Now the balance stays at zero or I start going crazy. (most of it was buying a car on the CC because of better interest rates at the time.)
Link Posted: 11/3/2009 5:33:09 AM EST
I was a small business owner at one time and had to close down shop in 2003 (partly due to a deployment). I came home from that deployment to over $175k in business debt, and chose to assume it personally rather than declare bankruptcy and stick people who hadn't done anything wrong. I sucked a business owner, but that was nobody else's fault but mine. That choice hurt me personally financially for a long time.

Anyway, that $175k is down to one final store credit card (that's under 5%) and totals about $10k on it. Yep, $10k in CC debt sucks, but its a hell of a lot better than it was, and it will be gone in under 4 months finally.

CC debt sucks, but with some discipline and work it can be chewed down. I have personal cards I use now, but they are set to auto-pay the full balance (hence no interest) every month. And that makes sure I only spend what I can afford, and the CC is for convenience and not a loan.
Link Posted: 11/3/2009 5:35:50 AM EST
0

Been that way for a few years now.
Link Posted: 11/3/2009 5:36:00 AM EST
Voted zero. I pay all of my cards off monthly and that is the only debt I havel. No mortgage, no car payments, etc.
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