[speaker001:] So, do you have any credit cards?
[speaker002:] Yes, I do. I keep, uh, I have an American Express, and a Visa card that I keep, you know, kind of for emergency purposes, and I have, you know, I use a gasoline credit card which I, you know, pay off
[speaker001:] Uh-huh.
[speaker002:] every, every month.
[speaker001:] Okay.
[speaker002:] But I've, I've gotten rid of all of the credit cards, you know, that I possibly could, and my balances are practically zero on the ones that I have. Especially since, you know, it's no longer after this year, or after tax year nineteen ninety, there's no deductions for, you know, credit card interest that you pay.
[speaker001:] Uh-huh.
[speaker002:] So it's a, you know, gosh, credit cards run, what, anywhere from, up to eighteen, nineteen percent, I guess.
[speaker001:] Yeah.
[speaker002:] It's just a bad deal. Course, there are emergencies, you know, that you, you know, probably need to have a card.
[speaker001:] Yeah, I have one card.
[speaker002:] Uh-huh, that's, that's probably enough.
[speaker001:] And I try not to use it, but
[speaker002:] Absolutely.
[speaker001:] right now, it's maxed out [LAUGHTER].
[speaker002:] It's, it's very easy to, you know, to do that or, you know, to abuse it, it really is.
[speaker001:] Uh-huh.
[speaker002:] It's so easy to pull out the plastic, but we're trying our best not to, not to add any, you know, credit card debt to our structure here.
[speaker001:] Yeah. Um, I have, uh, the thing that bothers me worse than the credit cards, I think, is, uh, you mentioned the gasoline credit card.
[speaker002:] Uh-huh.
[speaker001:] I don't have that, but I've got, you know, one of the tex-, the, the instant teller cards
[speaker002:] Uh-huh.
[speaker001:] that you can use for point of sale purchases.
[speaker002:] Uh-huh.
[speaker001:] And we use that usually to buy gasoline, and it's just
[speaker002:] Uh-huh.
[speaker001:] it's really amazing how quickly that goes.
[speaker002:] Uh-huh. I'm sure you're right. I don't, I don't, I don't participate in that, but, you know, a lot of folks do.
[speaker001:] Uh-huh.
[speaker002:] Yeah, at least with the, uh, [throat clearing] gasoline company credit cards you have, you know, up to thirty, twenty-five, thirty days, you know, interest free for it.
[speaker001:] Yeah.
[speaker002:] But, you know, the instant thing may be, may, may be the way of the future to, you know, to replace checks and every other thing.
[speaker001:] Yeah, that's what they've, they've talked about it.
[speaker002:] Yeah.
[speaker001:] Course it eliminates any waiting period.
[speaker002:] It certainly does.
[speaker001:] God help those people who have to float checks occasionally
[speaker002:] Absolutely.
[speaker001:] because you won't be able to with that.
[speaker002:] That's right. Do you get any sort of discount when you use a card like that?
[speaker001:] No.
[speaker002:] I see.
[speaker001:] Oh, it was, well, they consider it to be the same as cash
[speaker002:] I see, I see.
[speaker001:] well, cause it actually is.
[speaker002:] It certainly is, yeah.
[speaker001:] Yeah. It's better than cash [LAUGHTER].
[speaker002:] Uh-huh.
[speaker001:] They don't even have to deposit it, it just goes straight in there.
[speaker002:] That's right. No returned checks or anything.
[speaker001:] Right.
[speaker002:] Yeah. No, I, I understand it's becoming, you know, the popular thing to do. We're not participating in that particular program at the moment, and I don't really perceive doing it unless we absolutely have to.
[speaker001:] Uh-huh [dishes].
[speaker002:] But, uh, I have in times past gotten into a bit of trouble with credit cards. It's just, you know, too easy to do.
[speaker001:] Yeah, but I'm so glad he told me that when, that they, they got to such a point with their credit cards they didn't want to cut them up because they were afraid sometime they might actually need them.
[speaker002:] That's right.
[speaker001:] They paid them off, and then they stuck them in a thing of water and froze them.
[speaker002:] [LAUGHTER].
[speaker001:] She said at least [LAUGHTER] before she could use them she'd have to thaw them out. I mean, that's funny.
[speaker002:] Well, that's a novel idea. Yeah, that would cause you think a little while, wouldn't it.
[speaker001:] [LAUGHTER].
[speaker002:] That may not be a bad idea.
[speaker001:] [LAUGHTER].
[speaker002:] But I'm kind of getting a little more leery of credit cards, you know, as time goes by. Unless you just absolutely have to. Now, there are times when you'd
[speaker001:] Yeah.
[speaker002:] at least think you do, anyway.
[speaker001:] Yeah. I, I want to still have just one
[speaker002:] Yeah.
[speaker001:] just in case. But, I'd
[speaker002:] Uh-huh.
[speaker001:] sure want to get the, get it paid down and
[speaker002:] Yeah.
[speaker001:] not use it for a while [dishes].
[speaker002:] That's right. My wife and I really, I guess are fortunate. We're really not compulsive shoppers, you know.
[speaker001:] Uh-huh.
[speaker002:] We, we plan purchases, you know, pretty well, you know, watch for the best buys, things like that. But, uh, some people have a real problem with it.
[speaker001:] Yeah. Well, our, our limit is, you know, fairly low
[speaker002:] Uh-huh.
[speaker001:] and, uh, so that's, that's one thing that's good.
[speaker002:] Sure. Absolutely. Yeah.
[speaker001:] [Click] Oh, I've got another call.
[speaker002:] Oh, I'm sorry. Was nice talking to you.
[speaker001:] Okay.
[speaker002:] Take care.
[speaker001:] All right. Bye-bye.
[speaker002:] Bye-bye.