so how many um credit cards do you have um i think i'm down to one oh my gosh i wish i was that way is that why you said i had more experience than you well no i was pulling your leg oh well how how do you use your credit card i mean do you just keep it in reserve or i i well the way i'd like to try and use it is um you you you make your purchases at at prime buying time uh-huh and then you pay that off and don't use it until uh it's paid off uh-huh that's that's my ideal way uh-huh how how do you use it emergencies come along and i and i use it yeah that's understandable exactly uh like uh hm my car uh had a major problem and seven hundred dollars and uh-huh right right uh things just come up and you just never get to use it the way you'd really like to um-hum um-hum well actually i do have quite a few more credit cards than you have um and i use them you know like my American Express i use for you know gas things like that and i pay that off monthly and then um some other credit cards like store credit cards you know i do have them up there a little bit but uh um-hum i try not to use them too often but living in this area and like i live fifteen miles west of Washington DC it's a very expensive area so hm yeah sometimes you have no other choice if you need to buy something yeah well i i know i was uh up in there had a lot of credit cards and i was just starting to get to where it was getting me in trouble so we just right disposed of them paid them off and uh-huh got out of it uh-huh well that was good that you had the opportunity to do that i just yeah um-hum now are you married that you both you and your wife use a credit card or well i just yeah yeah uh-huh well now we pretty much just pay cash for uh-huh hm as much as we can there uh uh-huh our our only credit card is Sears so uh-huh hm and i have that for automotive purposes right right well well that's great um everyone i know here uses um credit cards like they're going out of business to be honest with you hm yeah yeah it's it's just too easy basically uh just get yourself in trouble with those yeah yeah yeah the only other one i have i have like a Diner's Club through my um where i work i see so that i use uh because i travel some so i use that and i don't really have to worry about that because i only use it for business so i automatically have the money to pay it off yeah but hm uh i wouldn't mind uh you know getting back into one if they would you know you start out at a low limit and then they just keep wanting you to increase your limit uh-huh and and if i can get one that'll keep my limit at five hundred and i can never go over that or something like that then that's fine but they uh-huh uh-huh eventually get's up there to five thousand ten thousand whatever fifty thousand forget it i don't want that um-hum yeah um the temptation's too great yeah hm so i don't know just uh writing checks is just as easy i guess yeah that's true that's true but so i guess uh we've kind of exhausted this uh topic yeah well really what what can you yeah you can't say too much about it really other than you use them or you don't use them you like them or you don't like them so um-hum i guess uh they don't care care if we end it early so uh hopefully uh you have a good Thanksgiving that's coming up and okay you too and then uh maybe we'll talk again yeah maybe you're the furthest person actually that i've talked i've talked to a lot of people in Texas yeah yeah Texas is the big one yeah so okay then well bye now okay okay bye-bye