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I just got out of credit card debt. I have about 8K on one card and i paid if off finally last wednesday after about 3 years.
I do have to say that i like the credit cards cause it is the only way that i could have survived and remained in my apartment and afforded food. I know it was a bad thing to do and i wish that i did not have to do the cash advance checks that they send, but i only used it cause i was unemployed and was not about to find work, or get unemployment for about 9 months.
Credit cards are usefull in emergencies. I know 8K is an emergency? but when you are unemployed it is. Anyway, people should get a credit card through your bank that just withdraws the funds from your checking account, but at the same time it is a good idea to have something for emergencies. I have had many times were i was going to school (as on my way to school) that i had a tire blow out, or my breaks went out and i could not have gotten the needed cash so it was a good thing that i had a credit card so that i could charge those things in the emergency situation.
Credit cards are not evil and can be helpful is used properly.
And Yeah for my finnaly being out for debt!!!!!!
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