[speaker001:] Well, um, with credit cards is, me, I, uh, I try to get maybe just one or two, I don't, I don't like having credit cards for every store. I, I, uh, I just don't like them [LAUGHTER].
[speaker002:] [LAUGHTER] What are you afraid of with them?
[speaker001:] What am I afraid of?
[speaker002:] Yes.
[speaker001:] Um, I don't know if I'm really afraid of spending too much. I just, uh, don't think that I need them, you know. I, uh, they are tempting at times,
[speaker002:] [LAUGHTER].
[speaker001:] but I, I just, you know, sometimes I just don't like everybody knowing everything about me, you know, so,
[speaker002:] Well, that's very, can be very, very true.
[speaker001:] So, and th-, you know, everybody just gives you a credit card just so you'll spend money so,
[speaker002:] Well, that's the idea. They figure that,
[speaker001:] Yeah.
[speaker002:] if they give you card,
[speaker001:] Uh-huh.
[speaker002:] at no charge for a whole year that you will use it and,
[speaker001:] That's right. See they make money off of it, whether you use it or not.
[speaker002:] Absolutely. Well, the other thing, of course, is the fact that they hope,
[speaker001:] [Child].
[speaker002:] you will not pay your bill at the end of the month,
[speaker001:] That's right.
[speaker002:] so that you would be paying interest.
[speaker001:] Uh-huh.
[speaker002:] I use mine a great deal, um, for groceries, for everything that I can and,
[speaker001:] Uh-huh.
[speaker002:] then just write one check at the end of the month,
[speaker001:] That's what I do.
[speaker002:] for the entire thing, right.
[speaker001:] That's what I do. Just a second. [Talking to child in background.] Sorry [Child].
[speaker002:] That's all right. Sounds like you have a little one there.
[speaker001:] I have two little ones. Yes.
[speaker002:] Oh, you have.
[speaker001:] Yeah. So tha-,
[speaker002:] Great. How old are they?
[speaker001:] um, four and two and half.
[speaker002:] Oh, boy. Those are two very active ages [LAUGHTER].
[speaker001:] [LAUGHTER] Yes. So, yeah, um, I'm, I'm like you I, I use my, only use my credit card for, um, you know, when I, you know, I just use it whenever I feel like I don't want to write a check, and then, but I don't charge anything that I can't payoff at the end of the month.
[speaker002:] Uh-huh.
[speaker001:] So,
[speaker002:] Well, uh, do you, uh, do you ever use the A T M machines?
[speaker001:] No, I never do. My husband does at work just to get cash out, but, uh, I take the checkbook so I, you know, I, just, if I need cash, I just tell him and he gets it out and I don't even think I know my number [LAUGHTER].
[speaker002:] [LAUGHTER] Well, I find it a great use from the standpoint that you don't have to continue to write checks,
[speaker001:] Uh-huh.
[speaker002:] in order to get cash.
[speaker001:] That's right. See we, he couldn't do without it, h-, but, you know, since he can just do it right there at work,
[speaker002:] Oh, that helps.
[speaker001:] for nothing.
[speaker002:] Right.
[speaker001:] Yeah.
[speaker002:] Well the, the other thing some people are not aware of, is they will use their A, their credit card like their Visa or their MasterCard for cash
[speaker001:] Uh-huh.
[speaker002:] and when they do that, they begin paying interest right from that very day on.
[speaker001:] You're right. And that's kind of silly.
[speaker002:] Yeah right. Absolutely.
[speaker001:] Yeah.
[speaker002:] Because they,
[speaker001:] You're defeating the purpose.
[speaker002:] they figure that, that's correct [LAUGHTER].
[speaker001:] [LAUGHTER].
[speaker002:] The idea is to use their money [LAUGHTER].
[speaker001:] [LAUGHTER] Yeah.
[speaker002:] And, uh, during that whole month and,
[speaker001:] Yeah.
[speaker002:] then pay it at the end of the month.
[speaker001:] Yeah, I mean, I get, I get at least one or two a week.
[speaker002:] Uh-huh.
[speaker001:] People, t-, you know, sending me a credit card or calling me on the phone and I just say I don't want it.
[speaker002:] Right.
[speaker001:] Because I,
[speaker002:] Well, I think that's the only thing you can do, is just say no and mean no and,
[speaker001:] Yeah. It's like,
[speaker002:] not be tempted.
[speaker001:] I'd like to know where they determine that I'm such a good credit risk that they can go and say, you get this much credit line. You know.
[speaker002:] Well, i-,
[speaker001:] You've already been preapproved.
[speaker002:] oh, absolutely, preapproved. That's their favorite word.
[speaker001:] Yes. Everybody in the country is preapproved, I think.
[speaker002:] [LAUGHTER] I think so, you're right.
[speaker001:] So,
[speaker002:] Well, it's interesting, uh, that, uh,
[speaker001:] Yeah.
[speaker002:] people have the, generally the same view.
[speaker001:] Uh-huh.
[speaker002:] of credit cards,
[speaker001:] Yeah.
[speaker002:] no matter where you go.
[speaker001:] And, then, some people they get so wrapped up in them that they find, you know, one day they find, wow, I didn't realize I had this much,
[speaker002:] That much stuff.
[speaker001:] you know, I'd spent this much money.
[speaker002:] Right.
[speaker001:] And, then they can't meet the minimum monthly payments on it.
[speaker002:] Well, and some people use one credit card to pay for another credit card they own,
[speaker001:] Uh-huh.
[speaker002:] and, I mean, that does nothing, but exacerbate the entire problem.
[speaker001:] Yeah, it does because you're, you know, you, you're, you know, you're just co-, costing yourself more money because you, if you can't make the monthly, the minimum payment, you're paying interest,
[speaker002:] That's right.
[speaker001:] again so,
[speaker002:] That's right.
[speaker001:] Yeah so,
[speaker002:] Well it's been enjoyable talking with you.
[speaker001:] Yeah. It's enjoyable talking with, seeing that somebody feels the same way, so, well,
[speaker002:] Right. Well take good care. Take care of your little ones.
[speaker001:] You, you too. Good luck.
[speaker002:] Uh-huh.
[speaker001:] Bye-bye.
[speaker002:] Bye-bye.