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My policy has always been to use credit responsibly. My wife and I have 1 card. If it's not in our bank account, we don't put it on the card. We pay it off every month, so we get 30 days of interest-free value. I live this way - maybe because I'm cheap - or wise. I don't like the idea of paying money to use money, so I don't. I realized its by the grace of God that I still have a job and can pay my bills. If I were to lose my job, I would change my spending habits. Our society depends too much on things we plan to pay for later. Both indivually and government - especially gov't! Credit card companies call us dead-beat customers. They don't make any money off of us.

posted 4 years ago
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