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TheSkilletHead
Member since: January 2011
Total Contributions: 1
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If you can't afford to pay at least the minimum payment on a card every month, and, over the course of a year, keep a balance that doesn't increase, then you have discipline issues. Maybe you DIDN'T need to go to the bar that one night, maybe you should eat at home instead of fast food, maybe taking that time off work wasn't such a good idea. I've lived paycheck to paycheck, and while it's not easy, I've never missed a payment. YOU signed a contract with the credit card company to pay your bill on a schedule. Paying late isn't a "part of life" or a right. If you can't pay in time, don't borrow the money. The credit card doesn't exist so you can run up a bar tab it takes you 6 months to pay off. It doesn't exist so you can get that new TV and worry about it later. The credit card exists to provide a safe way to spend (debit cards don't have the same protections that credit cards have) as well as provide a high interest short term loan in certain situations. Example: the car breaks - if you can affod the payment to fix it - go for it, if not - TAKE THE BUS.
Comment Reply posted 1 year ago
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If you can't afford to pay at least the minimum payment on a card every month, and, over the course of a year, keep a balance that doesn't increase, then you have discipline issues. Maybe you DIDN'T need to go to the bar that one night, maybe you should eat at home instead of fast food, maybe taking that time off work wasn't such a good idea. I've lived paycheck to paycheck, and while it's not easy, I've never missed a payment. YOU signed a contract with the credit card company to pay your bill on a schedule. Paying late isn't a "part of life" or a right. If you can't pay in time, don't borrow the money. The credit card doesn't exist so you can run up a bar tab it takes you 6 months to pay off. It doesn't exist so you can get that new TV and worry about it later. The credit card exists to provide a safe way to spend (debit cards don't have the same protections that credit cards have) as well as provide a high interest short term loan in certain situations. Example: the car breaks - if you can affod the payment to fix it - go for it, if not - TAKE THE BUS.
Comment Reply posted 1 year ago