[speaker001:] So how many, um, credit cards do you have?
[speaker002:] Um, I think I'm down to one.
[speaker001:] Oh, my gosh, I wish I was that way. Is that why you said I had more experience than you?
[speaker002:] Well, no. I was pulling your leg.
[speaker001:] Oh. Well, how, how do you use your credit card? I mean, do you just keep it in reserve, or.
[speaker002:] 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
[speaker001:] Uh-huh.
[speaker002:] and then you pay that off and don't use it until, uh, it's paid off.
[speaker001:] Uh-huh.
[speaker002:] That's, that's my ideal way [LAUGHTER].
[speaker001:] Uh-huh. How, how do you use it? [LAUGHTER].
[speaker002:] Emergencies come along, and I
[speaker001:] Yeah
[speaker002:] and I use it.
[speaker001:] that's understandable, exactly.
[speaker002:] Uh, like, uh, my car, uh, had a major problem, and
[speaker001:] Uh-huh.
[speaker002:] seven hundred dollars, and
[speaker001:] Right, right.
[speaker002:] uh, things just come up and you just never get to use it the way you'd really like to.
[speaker001:] Uh-huh, uh-huh. Well, actually I do have quite a few more credit cards than you have [LAUGHTER]. 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.
[speaker002:] Uh-huh.
[speaker001:] I try not to use them too often. But living in this area, uh, like I live fifteen miles west of Washington, D C
[speaker002:] Um.
[speaker001:] it's a very expensive area [LAUGHTER].
[speaker002:] Yeah.
[speaker001:] So, sometimes you have no other choice if you need to buy something.
[speaker002:] Yeah. Well, I, I know I was up in there and a lot of credit cards, and I was just starting to get to where it was getting me in trouble
[speaker001:] Right.
[speaker002:] so we just disposed of them, paid them off, and
[speaker001:] Uh-huh.
[speaker002:] got out of it. I just.
[speaker001:] Uh-huh, well that was good that you had the opportunity to do that.
[speaker002:] Yeah.
[speaker001:] Uh-huh.
[speaker002:] .
[speaker001:] Now are you married, that you both, you and your wife use a credit card, or?
[speaker002:] Yeah, yeah.
[speaker001:] Uh-huh.
[speaker002:] Well, now we pretty much just pay cash for
[speaker001:] Uh-huh. Um.
[speaker002:] as much as we can there.
[speaker001:] Uh-huh.
[speaker002:] Our, our only credit card is Sears, so
[speaker001:] Uh-huh, um.
[speaker002:] and I have that for automotive purposes.
[speaker001:] Right, right. Well, well that's great. Um, everyone I know here uses, um, credit cards like they're going out of business [LAUGHTER]
[speaker002:] Yeah.
[speaker001:] to be honest with you.
[speaker002:] Yeah, it's, it's just too easy, basically, uh, just get yourself in trouble with those.
[speaker001:] Yeah, yeah. Yeah, the only other one I have, I have like a Diner's Club through my, um, where I work
[speaker002:] I see.
[speaker001:] so that I use, 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.
[speaker002:] Yeah.
[speaker001:] But. Um.
[speaker002:] 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
[speaker001:] Uh-huh.
[speaker002:] and, and if I can get one that'll keep my limit at five hundred
[speaker001:] Uh-huh.
[speaker002:] and I can never go over that or something
[speaker001:] Uh-huh.
[speaker002:] like that, then that's fine, but they [inhaling] eventually gets up there to five thousand, ten thousand, whatever
[speaker001:] Uh-huh.
[speaker002:] fifty thousand [LAUGHTER]
[speaker001:] Yeah.
[speaker002:] forget it, I don't want that.
[speaker001:] Um, [LAUGHTER] the temptation's too great.
[speaker002:] Yeah.
[speaker001:] Um.
[speaker002:] So, I don't know, just, uh, writing checks is just as easy I guess.
[speaker001:] Yeah, that's true, that's true, but. So, I guess, uh, we've kind of exhausted this, uh, topic [LAUGHTER].
[speaker002:] Yeah, well, really, what, what can you.
[speaker001:] Yeah, you can't say too much about it really.
[speaker002:] Other than, you use them or you don't use them. You like them or you don't like them. So.
[speaker001:] Uh-huh.
[speaker002:] I guess, uh, they don't care if we end it early. So, uh, hopefully, uh, you have a good Thanksgiving. That's coming up, and.
[speaker001:] Okay, you, too.
[speaker002:] And, then, uh, maybe we'll talk again.
[speaker001:] Yeah, may be, you're the furthest person, actually, that I've talked. I've talked to a lot of people in Texas.
[speaker002:] Yeah.
[speaker001:] Yeah.
[speaker002:] Texas is the big one.
[speaker001:] Yeah, so.
[speaker002:] [LAUGHTER] Okay, then. Well, bye now.
[speaker001:] O-, okay, bye-bye.