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View Poll Results: So how much is your CC debt? | |||
Nothing |
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58 | 71.60% |
$100 |
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3 | 3.70% |
$1000 to $1999 |
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4 | 4.94% |
$2000 to $399 |
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3 | 3.70% |
$4000 to $5999 |
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1 | 1.23% |
$6,000+ |
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0 | 0% |
$8000+ |
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5 | 6.17% |
Too scared to think about |
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7 | 8.64% |
Voters: 81. You may not vote on this poll |
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Discuss what's fucking going on, and which programs are best and worst. One-time "program" announcements from "established" webmasters are allowed. |
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#1 | |
Too old to care
Industry Role:
Join Date: Jun 2001
Location: On the sofa, watching TV or doing my jigsaws.
Posts: 52,943
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How much is your total debt?
How much debt do you have?
Reading some articles about debt today in the West and it was scary what people carry. Here's just CC debt in the US Quote:
So how much is your CC debt? |
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#2 |
So Fucking Banned
Industry Role:
Join Date: Apr 2001
Location: the beach, SoCal
Posts: 107,089
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I have not owed money on a credit card for probably 10 years now.
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#3 | |
Too old to care
Industry Role:
Join Date: Jun 2001
Location: On the sofa, watching TV or doing my jigsaws.
Posts: 52,943
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Quote:
Reading some posts here I think some might have too much debt. |
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#4 |
Let's do some business!
Industry Role:
Join Date: Sep 2004
Location: Austin, TX
Posts: 31,327
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$800 billion divided by 250 million adults is $3,200.
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#5 |
Too lazy to wipe my ass
Industry Role:
Join Date: Aug 2002
Location: A Public Bathroom
Posts: 38,642
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Zero
8char |
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#6 |
So Fucking Banananananas
Industry Role:
Join Date: Mar 2003
Location: If I was in your ass you'd know it
Posts: 12,991
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i looked at this and thought there is NO way most the people here have no car or house debt... didn't see it was for CC debt
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#7 |
one sick puppy
Industry Role:
Join Date: Oct 2004
Location: Where the worst of the West meets the worst of the East
Posts: 11,565
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No CC, no car, no house debt. Nothing, ever
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i sale uncensored chatbots |
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#8 |
Coupon Guru
Industry Role:
Join Date: Mar 2009
Location: Minneapolis
Posts: 10,973
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I have a mortgage, but no car payments. I normally carry a 0 balance on the credit cards but just had some dental work done. Root canal, cavity, cleaning and x-rays. It went on a card.
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#9 |
SecretFriends.com
Industry Role:
Join Date: May 2001
Location: IMC Headquarters
Posts: 27,887
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about $200 on the CC which I had to use to book a hotel online. Besides the occasional online payment I hardly ever use the CC. Waste of money looking at the interest rates on it.
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#10 |
Jägermeister Test Pilot
Industry Role:
Join Date: Dec 2001
Location: NORCAL
Posts: 73,956
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I don't have credit cards - haven't since 1997 or so.
I have two friends of mine that I love to quote as the perfect example of what went wrong during the recession. They had rather average jobs and lots of neat toys, all on credit. They lost everything - their jobs, their house, their toys, and their dignity... And son of a bitch, a few years after their bankruptcy they are back at it again - two new motorcycles and a $40k used Vette. The only thing we have on credit is our house. I've recently discovered the joy of used cars. Remember that car you dreamed about as a kid? That Monte Carlo SS, that Corvette your neighbor had, that Camaro.... They are all dirt cheap now. I bought a used truck - A Chevy Stepside - for $2k, did $2k of repairs, and then a cheap paint job.... Some of the repairs I did myself. Now I have a truck that is like brand new for $6k - Much better than getting a loan for $25k for some Kia or Toyota.
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#11 |
Too lazy to set a custom title
Join Date: Jun 2003
Location: Ottawa
Posts: 19,631
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i have a few grand on a credit card. i used the card for capital to expand my business. probably not the best way to go about doing it but it worked and its mostly paid off now.
low interest car loans are to blame for the current increasing household debt. most people have mortgages, and don't typically count that towards the debt but some people are taking on two car loans, multiple credit cards and line of credit loans. credit card companies are to blame in some manner as well. sure, everyone should be responsible and not use credit cards unless an emergency comes up but unfortunately most aren't that responsible and constantly upping the credit on cards automatically is a dirty trick they use to get you trapped in debt. thankfully that is now against the law in canada. they can't up the limit unless you request it.
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you don't know you're wearing a leash if you sit by the peg all day.. |
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#12 |
Confirmed User
Join Date: Jan 2006
Posts: 6,218
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CC debt a whole lot different then debt, confusing title there Paulyboy.
I ran balances back in the day when I started in adult, buying traffic, sites and making money. Haven't had any reason to run balances for years though, it'd be by far the highest rate making it the first thing to be paid down
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#13 |
Confirmed User
Industry Role:
Join Date: Jan 2007
Location: Gamehendge
Posts: 1,340
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CC = 0
mortgage, well that is a different story ![]() |
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#14 |
Confirmed User
Industry Role:
Join Date: May 2011
Posts: 418
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Absolute 0.
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#15 |
Junior Achiever
Industry Role:
Join Date: Nov 2004
Location: Walled Garden
Posts: 17,066
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Zilch. CC's were paid off a few years ago.
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#16 |
see you later, I'm gone
Industry Role:
Join Date: Oct 2002
Posts: 14,110
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I have about a gazillion dollars in debt but it is ok cause I have like twentyfinity bucks in the bank
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#17 |
It's 42
Industry Role:
Join Date: Jun 2010
Location: Global
Posts: 18,083
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Not more that I could pay off at any moment these days. |
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#18 |
Too lazy to set a custom title
Industry Role:
Join Date: Mar 2003
Location: Homeless
Posts: 62,911
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We have 2 credit cards and both are paid at the end of every month
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#19 |
Nice Kitty
Industry Role:
Join Date: Sep 2002
Location: The good old USA!!!
Posts: 21,053
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I have zero debt of any type. I have one credit card which I use when I want to buy something that is on line and if I use it...I pay it off every month.
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#20 |
Too lazy to set a custom title
Join Date: Nov 2002
Location: Glasgow, Scotland
Posts: 67,795
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Nothing on the CC, but we do have big ass mortgage payments!
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#21 |
working on my tan
Industry Role:
Join Date: Mar 2005
Location: Florida/Kentucky
Posts: 39,151
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I owe no one anything. Zilch, zero. I have a couple debit cards with large limits, no credit cards. No car, house loans. All I owe is upcoming utility bills.
Part of this is just living a different lifestyle part is because there is no positive value for money only a negative value. By this I mean cash will earn you virtually no interest but a cash debt still carries high interest charges. If you have cash then debt/interest is foolish. The best return you can get for cash right now is to never pay interest. . |
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#22 |
Confirmed User
Industry Role:
Join Date: Feb 2001
Posts: 1,027
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Not a damn thing currently.
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#23 |
So Fucking Banned
Industry Role:
Join Date: Jul 2003
Location: Montana
Posts: 46,238
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#25 |
Ik ben een aap
Industry Role:
Join Date: Sep 2002
Location: Traffic Force Towers, Canada!
Posts: 18,874
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I don't count my mortgage as debt as I have more than 30% equity in my home. I have around $1200 on my Visa card because I booked flights to Europe recently and the bill isn't due to be paid yet, that'll be gone by Sept 14th. I have no balances on any of my other CC's, no overdraft, nothing.
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#26 |
Confirmed User
Join Date: Oct 2005
Posts: 3,670
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Zero debt.
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#27 |
myadultdesign.com
Industry Role:
Join Date: May 2004
Location: Europe
Posts: 12,558
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Nothing.
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Banners, logos, headers, peels, FHGs, ads, paysites, photo retouching etc: my adult design portfolio
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#28 |
Confirmed User
Join Date: Aug 2006
Posts: 1,756
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Nothing.
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#29 |
She is ugly, bad luck.
Industry Role:
Join Date: Jan 2010
Posts: 13,177
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My credit card is just a way of spending money i've got without carrying the cash around - online/petrol/anything big in a shop. Paid off at the end of every month. I wouldn't call it a debt.
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↑ see post ↑ 13101 |
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#30 |
Industry Role:
Join Date: Aug 2001
Posts: 63,151
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Nothing
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#31 |
Confirmed User
Join Date: Mar 2009
Posts: 7,055
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I met a guy this evening in a bar in Amsterdam.
His company owned property spread across seven countries worth $4bn in 2006. Today the portfolio is worth $1bn. They company owes $2.2bn in mortgages against the portfolio. He was in Amsterdam to negotiate with the banks. I have never met a guy with bigger bollocks. His job was to tell the banks to take a hike.......
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#32 |
Confirmed User
Industry Role:
Join Date: Jun 2008
Location: Montreal
Posts: 725
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I use my credit card to get points only. Most of time I buy something on it and make a transfert right away from my bank account on the card.
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#33 |
Confirmed User
Industry Role:
Join Date: Mar 2003
Location: ::::::::::::: :::::::::::||::::::::::: :::::::::::||::::::::::: :::::::::::||::::::::::: :::::::::::||::::::::::: :::::::::::||::::::::::: ::::::||||||||||||:::::: :::::::::::||::::::::::: :::::::::::||::::::::::: ::::::::::::::::::::::::
Posts: 7,197
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Those of us with no debt always end up being punished and shoulder the burden for the sea of morons around us who are in debt.
There is no free market.
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#34 | |
xxx
Industry Role:
Join Date: Jun 2003
Location: UK
Posts: 31,544
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Quote:
he seems to have stoped posting on this forum when he lost his bet. i guess he has not the cash.
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#35 |
making it rain
Industry Role:
Join Date: Oct 2003
Location: seattle
Posts: 22,110
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It's been a long time since I owed anyone anything.
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#36 |
Confirmed User
Industry Role:
Join Date: Nov 2001
Location: Southfield, MI
Posts: 9,812
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Shit I had more credit card debt than that when I graduated high school. None now, but I've read the average household had about $25,000 or so.
If you ask me the Feds should have paid out and cancelled everyone's cards for a trillion and then added some real credit rules. My guess is then the banks could have eaten the loss on the mortgages. Instead, we are all still fucked as a nation. Brad
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#37 |
So Fucking Banned
Industry Role:
Join Date: Nov 2011
Posts: 1,540
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so MAGICALLY nobody in GFY has CC DEBT... STRANGE and HARD TO BELIEVE.
BTW, if you know how to use it, there is nothing wrong with it, you get points, discounts and such and you dont lose money with any interest shit if you know how to PROPERLY use a CC. But I hardly think most people here own a TRUE CREDIT CARD (not the paxum/payoneer or whatever)... TRUE CREDIT CARDS are not being given away to anyone. For example freelance webmasters in some countries could NEVER EVER GET A TRUE CREDIT CARD because the issuing BANKS REQUIRE YOU to have a FIXED MONTHLY INCOME from a company... showing your CCBILL STATS or checks are not enough to get a CC... yeah yeah, now some idiot HERE that says he doesn't use the CC ever, will tell me that he can easily get 56356536536356 different credit cards. FUCK YOU ASSHOLE. Most people here like to show off and saying: "im the most richest in planet, i convert at 1:1 any sponsor, my sales are 425445 per hour and i have no debt because im superior, smart, prettier than brad pitt and most famous than a hollywood star..".. Fuck you SHOWING OFF FAKE asshole. PIRIOD. |
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#38 |
I need a beer
![]() Industry Role:
Join Date: Jun 2002
Location: ♠ Toiletville ♠
Posts: 133,940
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I pay it off every month
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#39 |
Confirmed User
Industry Role:
Join Date: Aug 2012
Posts: 86
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not a single cent
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#40 |
Too old to care
Industry Role:
Join Date: Jun 2001
Location: On the sofa, watching TV or doing my jigsaws.
Posts: 52,943
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You guys are doing well.
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#41 | |
So Fucking Banned
Industry Role:
Join Date: Apr 2001
Location: the beach, SoCal
Posts: 107,089
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Quote:
I watch people charge their groceries and I cringe.They will never be out of debt. Once I realized that CC's were not my friend I brought them down to one and I never use it as a credit card. ![]() |
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#42 | |
So Fucking Banned
Industry Role:
Join Date: Nov 2011
Posts: 1,540
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Quote:
if you want to cancel something, you must PAY IT.. with your money.. its not being cancelled automatically.. You put money in your bank account, and you pay your credit card.. nothing is done automatically... unless you have robots working for you. Or are you those rich fuckers who never have a PAPER BILL in your pocket and you do all electronically? WTF DUDE? |
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#43 | |
Coupon Guru
Industry Role:
Join Date: Mar 2009
Location: Minneapolis
Posts: 10,973
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Quote:
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#44 | |
Unregistered Abuser
Industry Role:
Join Date: Oct 2007
Posts: 15,547
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Quote:
cant tell if serious |
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#45 |
Confirmed User
Join Date: Aug 2006
Posts: 2,160
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I have some CC debt, not alot, i did use them about 7-8 years back to an extreme and it got a bit out of hand, UK banks were offering me £15k limit cards, it was stupid, I now have 2 and I can bounce the balance at 0% interest for 9 months at a time, I bought a new bike on it, interest worked out better, i have plenty of equity / assets so managed correctly CC debt isn't all bad. Just gotta keep an eye on them, they have a habit of changing the rules/interest overnight.
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#46 | |
So Fucking Banned
Industry Role:
Join Date: Nov 2011
Posts: 1,540
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Quote:
I guess you mean with a bank account... BUT STILL, you need money to pay that... and to have money, you need to go to your bank and put money in the account, or DO SOMETHING to put money in the account.. unless you are a millionaire who has 2 million in his account and uses it to AUTO-PAY EVERYTHING for the next 10 years... Are you that guy? |
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#47 | ||
Confirmed User
Join Date: Oct 2007
Location: Netherlands
Posts: 415
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Don't have a "real" credit card either, just using a debit card for payments that need to be made by cc. Car is on a lease, all accounts in the black, no mortgage - guess I'm fine
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#48 |
Femcams.com
Industry Role:
Join Date: Jul 2011
Location: bjcam.com
Posts: 12,223
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$4200 bank 1
$5000 bank 2 |
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#49 | |
Unregistered Abuser
Industry Role:
Join Date: Oct 2007
Posts: 15,547
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Quote:
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#50 | |
Coupon Guru
Industry Role:
Join Date: Mar 2009
Location: Minneapolis
Posts: 10,973
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Quote:
btw my magic robots are called direct deposit, but I do have some checks that I have to bring to the bank. The flying carpet auto drives me there though.
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