When did you last use a Credit Card?

HomeJames_3

I was wondering when you last used a credit card? until my lightbulb moment i used mine on a daily basis but since the begining of June i havent used any ( I had about 8 cards at that time!)
Its been 17 weeks since I used one and it feels really good to know that my debt is finally going down and not spiralling upwards out of control. The fact that I can only use cash also reduces the amount of money im actually spending and its actually a good feeling!!! I dont feeling guilty now about buying things.
Anyway just thought id share that with you and see what you thought.

msmicawber

8 years for me - I've even paid the blasted thing off now! The only time I've missed it was when I needed to hire a car in an emergency and because I didn't have a credit card, there were endless checks before I was handed the keys.

furndire

I try not to use credit cards - and only use those that I get cash back with or points (Tescos). I mainly use a cash back debit visa card. Sometimes its a good thing to use Credit Card, warranty wise, so long as its paid off every month. A few years ago, my daughter ordered tickets for a concert, luckily she paid with visa - the firm she had been paying went bust. She got every penny back.

HomeJames_3

msmicawber wrote:

8 years for me - I've even paid the blasted thing off now! .

Wow ive a long way to go then i forgot how difficult it can be to get stuff without a card luckly my DH has one outwith my grubby reach just incase!
Congratulations on becoming debt free its an inspiration to the rest of us knowing theres light at the end of the long dark tunnel!
My thanks button and smiles etc dont work so thank you for your post.

msmicawber

Thank you, HJ. You'll get there if you plug away at it. I wish this site had been around at the outset of my debt free journey as I felt very alone and ashamed.

D&DD

We haven't touched them since I found this site It's not that long ago but it has made such a difference

hilstep2000

Yesterday! I used my American Express (2% cashback) which I applied for through Greasy Palm (£10 cashback) and of course I pay it off every month in full!

HomeJames_3

D&DD wrote:

We haven't touched them since I found this site It's not that long ago but it has made such a difference

Its amazing what one website can do for so many people ive told so many people about this site now and hopefully its making a difference for them to the inspirational experiences and wealth of advise from everyone really makes you feel that your not alone im more of a lurker at times on the site leaving the advise for the more experienced DFWs its great that so many people take the time to read and give information and support. Again thanks everyone for their posts roll on next week when i get broadband maybe the thanks etc will work then!

lynzpower

I stopped using mine after i chopped them LB moment, then of course I had to reorder them again as I need them for internet banking and you need those 3 lil nos on the back dont you!

Ive used them once for doing my moneyclaim online.

And thats it :A

tootles_2

I use a Tesco card for my housekeeping and pay it off each month.

Janey51

December 2005 and then LBM.

Feel so much better using cash but I do have an Electron card which is like having a little bar of Cadburys when I'm on a diet.:o