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
