okay i was trying to get my children quiet for a minute well credit cards boy that's an easy topic isn't it
okay
okay
is it yes it is it's one we all hold dear and near i'm sure
oh yes yes i guess i've had some good experience and some bad experience with them
yeah most of mine's been pretty good although i'm i guess i'm like a lot of other people now i'm trying to to pay off my credit cards and
i've done pretty good at it
uh-huh
well i do fairly good until i go in the store and i see something i want
you now not need want
yeah
uh-huh there is a big difference
there's a big difference there
yeah yeah
but most of mine that i use is strictly gasoline
yeah oh yeah i i do that i do that but the rest like i said the rest of them i've been trying to to pay off and uh get back on a cash basis except for gas it's too easy to to run into the gas station
uh-huh
oh it sure is especially when you work out of town and everything that way at least that's for me
yeah what you
uh-huh
yeah yeah
yeah
so
but yeah i've i've talked to some who's really had some bad experience and kind of knock on wood i haven't yet not bad you know i just i'm just shocked at the end of the month
yeah well
to see what damage i have did but
yeah yeah
i try to keep it pretty reasonable
well i've been pretty lucky in that respect i don't charge like i say i've i been trying to
to not charge except for emergencies
uh-huh
so but i haven't really had any bad problems with credit cards there's you know they have uh wonderful features they're there when you need them you know like in emergencies or whatever
yeah
huh
and then they have bad drawbacks too i mean high interest it's like paying twice
yeah they talk talks with
that's true that's true
yes
so but
i try to i did switch to one uh
sponsored by the credit union though that seems to be a pretty low interest
oh uh-huh
yeah compared to some of the other ones and you don't have an annual fee there and that helps
yeah
yeah
oh yes uh we used to have you know like several but right now we're just more or less at American Express you know and that way we can go ahead and pay it off when it comes in
yeah
uh-huh
yeah that's one way to do it because that that forces you to pay for it instead of saying well i'll just pay on it this month and
yeah
pay fifteen yeah yes i know yeah and when you pay fifteen dollars a month it sure takes a long time
yeah
takes a long time that's right and now without the benefits of being able to deduct interest off off your income tax that's you know
it sure does
uh-huh
of course it's been going down for a number of years but this is the last year you can take anything so
but yeah
uh-huh
so
yeah well i've enjoyed talking to you
well i've enjoyed talking to you
and maybe we'll get to talk again okay bye-bye
okay
bye-bye
