Doug you want to start
sure
you don't use any credit cards i don't imagine
no of course i use credit cards i have a couple of credit cards and
yeah
yeah
and uh use them
uh-huh do you use them a lot
well we try not to we're on a pretty strict and tight budget we use the credit cards however
uh-huh
uh-huh
when we're at a situation where we don't have either the cash or the checkbook handy
um-hum
or we use credit cards also if we want to get an extended warranty on on an item that we're purchasing so
oh well that's an idea that's a thought um-hum
so
yes and basically we use it mainly when we're traveling or out of state or or somewhere where you know they don't take local they don't take out of state checks
um-hum
um-hum
um-hum um-hum
and so when we're traveling some do you use credit cards often
my husband loves them
uh we do use them uh
we try not to but he he's one who believes in credit cards and he uses them quite a bit
uh-huh
he likes using them and then just pay at the end of the month
oh yeah well that's that's a good thing because lot of people don't pay at the end of the month and they just pay the minimum required balance
he he likes doing that
um-hum
and that's when you get into expenses
yes and you get in over your head
it's
right
but
it'll uh some people i know also try to use it as float
uh-huh
where they buy something now and say well i'm going to buy this when it's good and on sale and then i can go ahead and pay for it when i get my check at the end of the month when i'm being paid
uh-huh
right
well sometimes you do come on bargains and that and it's really useful
that's true
and some places won't take you know like a personal check or cash even
um-hum
but they would take a credit card
right
how well how are the laws in Pennsylvania uh as as regard well not the laws but the rates
credit card rates in Pennsylvania for example down here when you go to a gas station
um-hum
you get an extra charge for credit cards
right
than you would by paying for cash are they the same there
we yeah we have the same thing up here so we don't deal where they do that
we charge you know we go to places where they don't charge extra some of them charge five cents a gallon even like the gas stations more
that's pretty steep
and uh we just try to avoid you know
the ones that do that we just don't uh go there
yes
because there's enough other ones around that don't charge you anything extra
um-hum um-hum
because actually to me
credit cards are the same as cash
to me they are anyways
yes because you make the deduction at the time of the purchase and and so that the end of the month or when you get your credit card bill
right
right yeah
are you saying that that way you're stranded not left stranded and high and dry very good you're you're one of the the good i guess good
yes
yes yeah right
faithful shoppers that don't get into a problem when it comes to budgeting their money
well i can't say we never have
now we have you know at times made payments on our things but we try not to
um-hum
we try real hard
well yeah well i see that as an advantage to a credit card also
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that you can
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can find yourselves in those situations and use a credit card to to help yourself so i think that there's a great advantage to a credit card in those situations
right
right
um-hum
yeah because sometimes uh there's times when you may maybe couldn't take advantage of something
um-hum
but with a credit card you can
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so
um
do you have uh multiple credit cards
uh
and do you find that advantageous or
well i think we're narrowing it down actually uh
uh like i said my husband likes them and we have quite a few but we really get when when you get down to the nitty gritty there's probably three
that we use most of the time
um-hum
right
we're we're actually in the same boat we like to use three uh
um-hum
basic credit cards that way we're not confused and we don't have an awful lot of expenses or surprises when it comes to the end of the month
um-hum
um-hum um-hum
and
do you find
that you get an awful lot of credit card applications through the mail
oh yes
once a week twice a week or three times a week
well
it's not every week but but you do get them they make it very readily available
um-hum
yes
almost too much so
but i really i really don't like it the charges they you know
we try to limit look look at that also what they charge per year
right so the annual fee
for to use our money you know they're charging us to spend our money and i i'm not real crazy about that so we try to look at that also
right right
yes so there is the basic annual fee for the credit card
but
um-hum
plus they charge any where from seventeen to twenty three percent
right
uh based upon what the state will allow
um
