More than 12 years later

**Bloodyaussie** · 29th June 2015, 05:51 PM

Wow more than 12 years later and struggling to get it under control from 10 years ago we have $65.14 to pay on our credit card.....

Evil f$#king things... we have have not used a credit car for nearly 10 years and have managed to get by.... in a short 2-3 year period I went silly with one and it is only now that it is coming to an end.....

This will be one bitter sweet last payment.

**NissanPatrol.com.au** · 29th June 2015 05:51 PM

**NissanGQ4.2** · 29th June 2015, 06:07 PM

Evil things alright!

When I was single and drank and gambled my pays away, I ventured 2 the dark side and got myself one, was always paying it off and putting more on it, increasing the limit and putting more on it.

After things got serious with my current partner, she made me pay it off and then made me cut the card up in front of her. Have not had one since.........9 odd years later happy days

Only have a debit card now, so if the money is not there I don't get.

Pay it off mate and cut it up / cancel it, best thing u will ever do

**lucus30** · 29th June 2015, 06:09 PM

If you are disciplined they are fine. I use mine and pay it in full every month. Means I then can have that money sitting on my mortgage saving me interest

No annual fee
Never pay interest

Also get free travel insurance and no international exchange costs

So for me it works, though I can see the trap

Sent from my D6653 using Tapatalk

**Bloodyaussie** · 29th June 2015, 06:11 PM

Originally Posted by lucus30

If you are disciplined they are fine. I use mine and pay it in full every month. Means I then can have that money sitting on my mortgage saving me interest

No annual fee
Never pay interest

Also get free travel insurance and no international exchange costs

So for me it works, though I can see the trap

Sent from my D6653 using Tapatalk

Who is paying you....... stone him !!!!!!!!!

I too have a debit card only connected to my mortgage and it has worked well for us... if we dont have it we dont spend it.

**threedogs** · 29th June 2015, 06:14 PM

I fell into it years ago when Bankcard came out I blew up my motor bike and needed a motor.
Easy as gave them a bit of plastic they gave me a motor, happy days ,OOHHH and then you have to pay it off
after that Ive never had one and never will, I prefer to save for something but hey thats just me. lol

**lucus30** · 29th June 2015, 06:38 PM

Originally Posted by Bloodyaussie

Who is paying you....... stone him !!!!!!!!!

I too have a debit card only connected to my mortgage and it has worked well for us... if we dont have it we dont spend it.

Nobody, just horses for courses. Trust me the banks don't like people like me. They don't make any money off my credit card

**Hodge** · 29th June 2015, 06:43 PM

Well done Johno. They are a bottomless pit them things... You're one of the lucky determined people who managed to climb out of one. Banks thrive on people who just dig them selves deeper and deeper.
I don't trust my self with one, so everytime we got given one, through a home loan or something, they get cut up instantly.

**Winnie** · 29th June 2015, 06:50 PM

Well done mate, must feel great with one less debt

**mudski** · 29th June 2015, 07:29 PM

Awesome stuff mate. Just imagine if that final amount was the mortgage.

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**Clunk** · 29th June 2015, 07:53 PM

good onya BA, something that I'm working on meself

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