[speaker001:] okay I was trying to get my children quiet for a minute well credit cards boy that's an easy topic isn't it
[speaker002:] okay okay is it yes it is it's one we all hold dear and near I'm sure
[speaker001:] oh yes yes I guess I've had some good experience and some bad experience with them
[speaker002:] yeah most of mine's been pretty good although I'm I guess I'm like a lot of other people now I'm trying to to pay off my credit cards and I've done pretty good at it
[speaker001:] uh-huh well I do fairly good until I go in the store and I see something I want you now not need want
[speaker002:] yeah uh-huh there is a big difference
[speaker001:] there's a big difference there
[speaker002:] yeah yeah
[speaker001:] but most of mine that I use is strictly gasoline
[speaker002:] yeah oh yeah I I do that I do that but the rest like I said the rest of them I've been trying to to pay off and uh get back on a cash basis except for gas it's too easy to to run into the gas station
[speaker001:] uh-huh oh it sure is especially when you work out of town and everything that way at least that's for me
[speaker002:] yeah what you uh-huh yeah yeah
[speaker001:] yeah
[speaker002:] so
[speaker001:] but yeah I've I've talked to some who's really had some bad experience and kind of knock on wood I haven't yet not bad you know I just I'm just shocked at the end of the month
[speaker002:] yeah well
[speaker001:] to see what damage I have did but
[speaker002:] yeah yeah
[speaker001:] I try to keep it pretty reasonable
[speaker002:] well I've been pretty lucky in that respect I don't charge like I say I've I been trying to to not charge except for emergencies
[speaker001:] uh-huh
[speaker002:] so but I haven't really had any bad problems with credit cards there's you know they have uh wonderful features they're there when you need them you know like in emergencies or whatever
[speaker001:] yeah huh and then they have bad drawbacks too I mean high interest it's like paying twice
[speaker002:] yeah they talk talks with that's true that's true
[speaker001:] yes so but
[speaker002:] I try to I did switch to one uh sponsored by the credit union though that seems to be a pretty low interest
[speaker001:] oh uh-huh
[speaker002:] yeah compared to some of the other ones and you don't have an annual fee there and that helps
[speaker001:] yeah yeah oh yes uh we used to have you know like several but right now we're just more or less at American Express you know and that way we can go ahead and pay it off when it comes in
[speaker002:] yeah uh-huh yeah that's one way to do it because that that forces you to pay for it instead of saying well I'll just pay on it this month and
[speaker001:] yeah pay fifteen yeah yes I know yeah and when you pay fifteen dollars a month it sure takes a long time
[speaker002:] yeah takes a long time that's right and now without the benefits of being able to deduct interest off off your income tax that's you know
[speaker001:] it sure does uh-huh
[speaker002:] of course it's been going down for a number of years but this is the last year you can take anything so
[speaker001:] but yeah uh-huh
[speaker002:] so
[speaker001:] yeah well I've enjoyed talking to you
[speaker002:] well I've enjoyed talking to you
[speaker001:] and maybe we'll get to talk again okay bye-bye
[speaker002:] okay bye-bye