all right
well credit cards
i have some do you
well yeah i i i've used them a bit too much sometimes
yes me too
yeah uh
do you have uh like the Visa and MasterCard and and those that are those the ones that you use the the most or
well i have uh
we've got an American Express which we got that on purpose so we could pay that off every month that way we we know our limit
uh-huh
right
yeah
but then i also have department stores and um
yeah
you know we keep a couple hundred dollars um if that much charged on those which isn't too bad it's just your normal
yeah
yeah just a pretty pretty pretty much uh what you can pay monthly anyway
you know getting clothes and stuff every once in awhile
exactly
yeah well we have uh have department store cards for nearly all the department stores i guess uh
uh-huh
uh but but we don't you know don't use them a lot uh
right
but we do have uh Visa cards uh
yeah
my wife has uh has an American Express through her through the company
right
and uh i don't even have an American Express to use for business so
or i use a Visa all the time
just your Visa yeah
right and uh i i find that they you know they work all right i haven't found anybody that will will turn one down
yeah i you know uh people always complain about American Express saying not enough people take it but i've i've rarely found a place that wouldn't that wouldn't take it so that doesn't bother me luckily
uh-huh
yeah
the uh yeah it's it's uh it is convenient to have that you know and it and if you can do a the a lot more with the American Express when we do when we go traveling
uh-huh
uh the American Express works a lot better for some things because you can charge you know airline tickets
oh does it
sure
and and get some benefits from that i think too
that's true that's true that's that's real nice to
you know
but it's i tell you it's it's really uh it's tough to uh to deal with when you let your your balances build up
you know so that it it's
that's true
you've we did it uh intentionally i did it intentionally i was running some business expenses
uh-huh
through the Visa card
so i knew that i was running a balance up but it sure is hard to get it
paid back i know
paid back down
it uh
when we first got married we you know went and got all the credit cards and
uh-huh
of course charged those puppies up and it's oh boy when those bills start coming in
they want a lot of money when you start getting them up there
yeah
but uh you know you find it's uh that the uh the interest rates vary so much on those that uh
uh-huh uh-huh
that we've been paying real close attention to that so we're using the ones that uh have the lower rate as a matter of fact the uh the uh credit union
that's good
uh-huh
credit card i think has the lowest about the lowest interest rate of any of the ones that we use
that's good
i've noticed on the like the department stores they sure do hate it when you pay double payments
uh-huh
yeah
you know it's like whoa
yeah
wait a minute
don't pay us too much you know and they drop it your balance uh they drop your monthly payment down low because they want that interest to build up
uh-huh
right
so that's what i normally try to do if it's pretty low i try to make a couple payments at a time
and get it down quicker
yeah
but they're easy to use
so you haven't been tempted uh to to call any of these nine hundred numbers trying to get a credit card then
no have you
i have been tempted i just i saw one of those ads on TV last night that
you know somebody
call in right now you know and you can get your gold Visa card or gold MasterCard but uh
uh-huh
i don't understand how they do that
and uh of course it's a nine hundred number which that means they're going to charge you you know fifteen or twenty dollars just to make the phone call
right
but they say you can't be turned down and i don't understand how they can
well the thing is the that a lot of those are like they're set up through a bank or a savings and loan type thing
uh-huh
and you have to have a deposit in that you know that deal of you know if you want a five hundred dollar credit line then you have to keep a five hundred dollar balance in there
oh
i see
well then they sure they won't turn you down because they've got your money
sure they've got your money already
well gosh
yeah yeah but that's yeah i know that's the way some of them work anyway
well that's darn easy then
yeah
i wouldn't turn you down either i'll give you one
right yeah
huh no i haven't attempted that i'm satisfied with what we have right now and we do have a gas credit card and we use that
yes uh
yeah that's one that we don't use uh i've had uh you know had different companies or you know gas company cards before
uh-huh
but i didn't use them we we usually spend cash you know pay cash for gas and then uh most of the places will take uh the Visa card anyway so
right
right that's true that's true
so i i can use that and uh
well we uh
my husband always usually always pays with cash but i never seem to have cash
or at least not enough you know to fill a tank up so i always almost always use my credit card on that on that and then it's nice you do tend to pay more for gas but other than that it's it's a good deal i think
yeah
uh-huh
yeah but they're of course now they're beginning to to get the picture i think uh like Chevron has just recently dropped theirs back
yeah i saw that
so they quit charging the extra i don't whether they they drop the ir price back to the cash price or raised all their prices up to the charge price
yeah exactly
but they won't they won't charge i saw that advertised too that's a good deal
but it's real convenient it's real convenient for me i really i just like being able to go in and do that
but uh
yeah
and and it's like American Express you have to pay it off at the end of the month so
huh yeah
it's not going to go up too high
yeah
so it's good for emergencies
right yeah that's it's always handy to have that that credit card for whatever it is that you might need it for
that's what we do on
that's true we always use especially on trips you know we just charge all our gas that saves us spending it or shelling out the cash right then
yeah that's it when when we travel it's we used to use our the gas card just for that you know
uh-huh right
and now we don't have of course we don't drive on our trips very much anymore either we used to drive like we'd drive to New Orleans twice a year
yeah
oh yeah
and uh we don't go we don't we don't drive anymore when we go down there we usually fly so
yeah
you know you can fly just about as cheap as you can drive so
i know and isn't that terrible
yeah so
and save all that money
yeah so anyway
hum
well do you think we've
well
i think they've got enough uh enough information from us anyway
okay well thanks for talking
okay it's nice talking to you okay bye-bye
you too bye-bye
