[speaker002:] well I suppose we both have credit cards
[speaker001:] um-hum yeah they seem to be a part of life
[speaker002:] yeah
[speaker001:] yeah how do you use them
[speaker002:] well I do use them um
[speaker001:] um-hum
[speaker002:] I have a few favorites that I use more than others and uh I try to keep my balances fairly reasonable I I could probably pay them off any month if I wanted to
[speaker001:] um-hum
[speaker002:] um but occasionally they can get out of hand and get higher when when you start using more than a few and uh
[speaker001:] um-hum
[speaker002:] they all can build up
[speaker001:] um-hum
[speaker002:] uh I think they're handy I just get uh I don't carry a lot of cash with me and uh I hate writing checks
[speaker001:] um-hum yeah
[speaker002:] when you go shopping
[speaker001:] um-hum
[speaker002:] well do you use credit cards
[speaker001:] yeah I use a few I um I watched my grandmother go into debt on them and so I've and then I guess my mother yeah so my mother learned from that and I guess she taught me to be very very careful with them so
[speaker002:] um-hum your grandmother huh
[speaker001:] basically um I just keep them I use them so that I build up a credit rating you know but otherwise um
[speaker002:] um-hum
[speaker001:] I generally and my husband it turns out I've just been married seven months but he has the same habit and we just keep a few you know few of the major ones and then use them once in a while for something but we always pay it off right that month
[speaker002:] that's good oh that's that's wonderful
[speaker001:] so that way we keep any service charge so that way we keep out of debt and we keep on top of what we're spending
[speaker002:] well the interest rates in credit cards is so high now compared to what you're savings is bringing it's really I guess ridiculous to let them keep building
[speaker001:] yeah yeah yeah that's what I feel
[speaker002:] but I know some people can get get you know carried away with them and let them get out of hand
[speaker001:] so um-hum it's really easy just to forget you know that you you charged that or charged that I try to keep all my receipts and keep them in someplace where I know that the bill's going to come but sometimes I forget and so you know a bill will come in and I'll think oh no I didn't know it was going to be that high but so far I've been able to we've been able to pay it off every time so
[speaker002:] um-hum um yeah well that's good I'm looking right now I'm kind kind of looking for a Visa that has a lower interest rate it seems that some of them have gotten higher
[speaker001:] uh-huh
[speaker002:] and uh I saw on TV they had a program on uh credit cards and they're supposed to I don't know if it was Tennessee or Arkansas or some some other state had a Visa card that was the lowest one in the country and I didn't write it down at the time and then I went and looked and to see what my Visa was and I think it's eighteen percent or something so
[speaker001:] um-hum um
[speaker002:] think I want to find something that has a lower rate
[speaker001:] yeah have you ever used Discover card
[speaker002:] no I haven't
[speaker001:] yeah I'm not even sure what their interest rate is since I pay it off but you know
[speaker002:] is is that the one from Sears
[speaker001:] um I think Sears originally put it out but it's um it's pretty well taken all over the US now I mean uh I've haven't found many places that don't take Discover
[speaker002:] okay
[speaker001:] and there's no annual service fee which is good you know and then um
[speaker002:] okay
[speaker001:] they also give you they say cash back um like at the end of the year for the amount that I charge I get two dollars back or something but if you use credit cards a lot you probably get more back
[speaker002:] uh-huh oh oh they give you money back for using your credit card
[speaker001:] yeah basically that's it yeah basically that's it and I think the service charge is pretty low too but I'm not sure
[speaker002:] oh I didn't know that hum well you know Sears was one of the few department stores that never would take any other credit cards
[speaker001:] uh-huh
[speaker002:] I worked with at Sears for over ten years and uh it was only a Sears card that they would take
[speaker001:] uh-huh
[speaker002:] until I guess they decided to join the club and come up with their own credit card another credit card that was accepted so
[speaker001:] um-hum
[speaker002:] you know now they'll take the Discover but I still don't know if Sears will take Visa or MasterCard
[speaker001:] um-hum
[speaker002:] but uh I never did apply for a Discover card I just figure with the Visa and
[speaker001:] yeah um-hum
[speaker002:] American Express I probably have an I can do enough damage with those two
[speaker001:] yeah I think it's best to keep the number down that you have
[speaker002:] um-hum yeah I've got some that I you know I haven't even used at all uh past few years I probably wouldn't be able to use them
[speaker001:] so um-hum
[speaker002:] but uh I I do like my Dillard's I have to admit that's one of my favorite places to shop
[speaker001:] uh-huh
[speaker002:] and I do do use Dillard's probably as more than any of the other department stores
[speaker001:] um-hum
[speaker002:] but
[speaker001:] yeah well do you have anything else to say or
[speaker002:] well yes no not too much more about credit cards
[speaker001:] okay I don't think I do either so well it was good talking to you
[speaker002:] okay well good talking to you Beth
[speaker001:] okay have a good evening bye-bye
[speaker002:] good luck you too bye