[speaker002:] so how many um credit cards do you have
[speaker001:] um I think I'm down to one
[speaker002:] oh my gosh I wish I was that way is that why you said I had more experience than you
[speaker001:] well no I was pulling your leg
[speaker002:] oh well how how do you use your credit card I mean do you just keep it in reserve or
[speaker001:] I I well the way I'd like to try and use it is um you you you make your purchases at at prime buying time
[speaker002:] uh-huh
[speaker001:] and then you pay that off and don't use it until uh it's paid off
[speaker002:] uh-huh
[speaker001:] that's that's my ideal way
[speaker002:] uh-huh how how do you use it
[speaker001:] emergencies come along and I and I use it
[speaker002:] yeah that's understandable exactly
[speaker001:] uh like uh
[speaker002:] hm
[speaker001:] my car uh had a major problem and seven hundred dollars and
[speaker002:] uh-huh right right
[speaker001:] uh things just come up and you just never get to use it the way you'd really like to
[speaker002:] um-hum um-hum well actually I do have quite a few more credit cards than you have um and I use them you know like my American Express I use for you know gas things like that and I pay that off monthly and then um some other credit cards like store credit cards you know I do have them up there a little bit but uh
[speaker001:] um-hum
[speaker002:] I try not to use them too often but living in this area and like I live fifteen miles west of Washington DC it's a very expensive area so
[speaker001:] hm yeah
[speaker002:] sometimes you have no other choice if you need to buy something
[speaker001:] yeah well I I know I was uh up in there had a lot of credit cards and I was just starting to get to where it was getting me in trouble so we just
[speaker002:] right
[speaker001:] disposed of them paid them off and
[speaker002:] uh-huh
[speaker001:] got out of it
[speaker002:] uh-huh well that was good that you had the opportunity to do that
[speaker001:] I just yeah
[speaker002:] um-hum now are you married that you both you and your wife use a credit card or
[speaker001:] well I just yeah yeah
[speaker002:] uh-huh
[speaker001:] well now we pretty much just pay cash for
[speaker002:] uh-huh hm
[speaker001:] as much as we can there
[speaker002:] uh uh-huh
[speaker001:] our our only credit card is Sears so
[speaker002:] uh-huh hm
[speaker001:] and I have that for automotive purposes
[speaker002:] right right well well that's great um everyone I know here uses um credit cards like they're going out of business to be honest with you
[speaker001:] hm yeah yeah it's it's just too easy basically uh just get yourself in trouble with those
[speaker002:] yeah yeah yeah the only other one I have I have like a Diner's Club through my um where I work
[speaker001:] I see
[speaker002:] so that I use uh because I travel some so I use that and I don't really have to worry about that because I only use it for business so I automatically have the money to pay it off
[speaker001:] yeah
[speaker002:] but hm
[speaker001:] uh I wouldn't mind uh you know getting back into one if they would you know you start out at a low limit and then they just keep wanting you to increase your limit
[speaker002:] uh-huh
[speaker001:] and and if I can get one that'll keep my limit at five hundred and I can never go over that or something like that then that's fine but they
[speaker002:] uh-huh uh-huh
[speaker001:] eventually get's up there to five thousand ten thousand whatever fifty thousand forget it I don't want that
[speaker002:] um-hum yeah um the temptation's too great
[speaker001:] yeah
[speaker002:] hm
[speaker001:] so I don't know just uh writing checks is just as easy I guess
[speaker002:] yeah that's true that's true but so I guess uh we've kind of exhausted this uh topic
[speaker001:] yeah well really what what can you
[speaker002:] yeah you can't say too much about it really
[speaker001:] other than you use them or you don't use them you like them or you don't like them so
[speaker002:] um-hum
[speaker001:] I guess uh they don't care care if we end it early so uh hopefully uh you have a good Thanksgiving that's coming up and
[speaker002:] okay you too
[speaker001:] and then uh maybe we'll talk again
[speaker002:] yeah maybe you're the furthest person actually that I've talked I've talked to a lot of people in Texas
[speaker001:] yeah
[speaker002:] yeah
[speaker001:] Texas is the big one
[speaker002:] yeah so
[speaker001:] okay then well bye now
[speaker002:] okay okay bye-bye