[speaker001:] basically um my husband and myself use the credit cards in regards to major purchases we really don't get into small little purchases if we're going to purchase something quite large we might put it on a credit card but other than that it's not something that we use a lot of um we may have only two or three versus um I know a lot of people have up to a half a dozen or uh up to a dozen credit cards but um ours are just major credit cards that we have and uh use uh use only when when we feel it's necessary to make a big purchase
[speaker002:] yeah is that like Visa and and MasterCard
[speaker001:] yeah yeah
[speaker002:] do you have department store credit cards too or
[speaker001:] uh yeah one Sears
[speaker002:] uh-huh
[speaker001:] Sears is pretty major with us simply because we do um
[speaker002:] appliances
[speaker001:] appliances and things like that and they're real good with their appliance and stuff like that so
[speaker002:] yeah
[speaker001:] but uh we try to avoid them with a passion because of the percent of interest rate if you've got the cash to pay for something it's better to do it that way than versus credit cards unless it's a small enough sum that you can do it within a two three month period but
[speaker002:] yeah
[speaker001:] if it's uh any large purchases um you've got to kind of think about um how much you're going to put down as far as uh payments on it so that you're not getting eighteen percent or twenty percent interest taken off so
[speaker002:] right my my husband and I do basically the same thing but we we end up sneaking a few in there that surprise
[speaker001:] uh-huh
[speaker002:] we still pay it off every month if it kills us but we do it mainly for you know the cash flow what is that
[speaker001:] yeah yeah yeah
[speaker002:] oh float that's the word float and I often will keep track track of what I've charged and sometimes deduct it from my checkbook already
[speaker001:] uh-huh sure sure uh-huh sure so you know
[speaker002:] and sometimes just and keep a list and make sure I
[speaker001:] sure
[speaker002:] I don't go over a certain limit especially around birthdays you know
[speaker001:] yeah exactly exactly yeah
[speaker002:] oh if we go out to a restaurant oh just to float it or I don't know
[speaker001:] or if it's a business transaction a lot of times that's important too to keep a better receipt of it so yeah
[speaker002:] yeah yes my husband has a uh or anytime like a plane ticket or you know
[speaker001:] um-hum
[speaker002:] even if we have the I'm sure we'd have the cash before we got it but
[speaker001:] um-hum
[speaker002:] the float for more than a hundred dollars seems real nice for that
[speaker001:] sure oh sure for the month or whatever
[speaker002:] that thirty days or whatever
[speaker001:] yeah exactly
[speaker002:] we have a new one from AT&T and we have you know haven't used that one too much be interesting that's nice because you can use it for a calling card also
[speaker001:] so uh-huh yeah exactly sure
[speaker002:] it's a MasterCard too so it's kind of fun uh but you get a lot of junk mail about them
[speaker001:] sure yeah oh yeah and you always get these preapproved uh credit card things coming through uh your credit is great so let's send you another credit card or it's preapproved for
[speaker002:] yeah you're such a a wonderful person
[speaker001:] such such to entice you to get more credit cards
[speaker002:] we'll give you five thousand dollars up front
[speaker001:] yeah and so you know we always laugh about that because it's quite a bit I mean you know you always constantly getting those preapproved stuff so
[speaker002:] right do you have uh uh an annual fee on yours or do you get yours through a bank or
[speaker001:] uh ours is through a bank yeah we had it a long time ago through a banking system so yeah just a but
[speaker002:] yeah yeah I I can't see paying an annual fee for it I mean I almost
[speaker001:] oh you're already paying them uh if you're if you don't pay it off within that month interest anyway so yeah that's exactly it
[speaker002:] yeah
[speaker001:] so okay
[speaker002:] well it sounds like I'm being paged otherwise so that
[speaker001:] okay all right thanks a lot by now
[speaker002:] good talking to you thanks bye-bye