[speaker001:] yeah I pushed in
[speaker002:] okay
[speaker001:] so how do you use your credit cards
[speaker002:] oh we use them for paying our gas for paying uh just about anything because um we don't like to pay for our checks so we use it quite a bit
[speaker001:] um-hum
[speaker002:] but we we pay off every month though so we never have to pay interest and we always we never get the the credit cards if there's a monthly or a yearly charge we always get it through our bank or somewhere where it's free so we never have to pay anything extra
[speaker001:] yeah that's me I won't use one that I have to pay an annual fee
[speaker002:] yeah we just don't think it's worth it
[speaker001:] you know and um I'm uh like you I I use it
[speaker002:] so
[speaker001:] well to buy my gas with my Shell my Shell credit card I use that and then like my Emporium card and uh
[speaker002:] uh-huh
[speaker001:] Weinstocks card I use that but I'm like you I usually pay it off as soon as I get my bill why I don't just write a check I don't know
[speaker002:] see well you I don't do it either
[speaker001:] you know it's just really weird but I I don't carry a lot of cash with me because I'm always afraid that someone's going to steal my purse
[speaker002:] yeah yes exactly that's how I feel I mean it's a rare day when I even have seventy five cents in my purse
[speaker001:] yeah you know enough for a phone call and that's about all
[speaker002:] yeah
[speaker001:] but uh other than that that's the that's the way I use them I know some people that uses them so bad that every one of them that they've got they can't they can't charge any more you know and I think that's terrible
[speaker002:] yeah because it's really it helps your if you have good credit you know it helps you in the long run when you want to go make a bigger purchase or something
[speaker001:] oh yeah yeah because if anything ever happens that you do need to you know you have excellent credit why it really does help
[speaker002:] yeah and I think it's more convenient too in a lot of cases like whenever we go on trips we always you know use our our Visa or our MasterCard or whatever and then um you know we really don't have to pay for it out of our own pockets until about a month later
[speaker001:] yeah uh-huh uh-huh
[speaker002:] and so it helps us gain interest in the bank that when we do it we come out a little even a little bit ahead because we've been able to use whatever first off and then pay for it later
[speaker001:] uh-huh uh-huh uh-huh yeah well I think it's better to use credit cards too like I say because you there's so many people around any more that's watching what you're doing and if you pull a wad of money out of your pocket
[speaker002:] oh yeah
[speaker001:] they're going to hit you over the head
[speaker002:] yeah even if it's five bucks even
[speaker001:] I know it just uh you know it just seems like they're somebody's always watching so I just don't I don't carry money I'd just soon use my credit cards and just pay them off you know
[speaker002:] yeah and also if you if someone did happen to steal your credit card my husband was saying that if you know you notice it within I think it's twenty four hours you can report it in and I he said the most you'd ever have to pay is fifty dollars for them to cancel you know whatever payments you had and and if whoever tried to uh you know credit it to the hilt
[speaker001:] right
[speaker002:] you'd only have to pay fifty dollars of it and then
[speaker001:] yeah
[speaker002:] you know you can have your card back with
[speaker001:] yeah right
[speaker002:] pretty good rating you know because you can pay fifty dollars but not you know maybe five thousand or whatever
[speaker001:] yeah right and you know some of those stores don't even seem to check your signature or anything
[speaker002:] I know
[speaker001:] you know I don't know why they don't unless you have to spend a certain amount I don't know but I notice that some of them don't even look you know they just slide it in there and pass it back to you
[speaker002:] yeah exactly
[speaker001:] you know so I don't think that's right I think they should check it to make sure that the signature at least matches you know
[speaker002:] yeah sure I mean it's just a precaution for everybody
[speaker001:] uh-huh uh-huh
[speaker002:] yeah so
[speaker001:] well let's see what else can I say about credit cards
[speaker002:] um
[speaker001:] um
[speaker002:] oh I also use like to use Discover when I can because uh you know they give you some money back every year
[speaker001:] yeah I don't I don't uh that that that's that Sears Discovery Card is that what that
[speaker002:] yeah yeah
[speaker001:] yeah now I don't have that one you know
[speaker002:] well we just started doing that and
[speaker001:] uh-huh
[speaker002:] you know what it comes in handy is for when you're buying things like um tickets for the train or um airplanes
[speaker001:] uh-huh
[speaker002:] because they'll give you some money back you know and it's only a little bit but I mean it's still something we got two fifty last year
[speaker001:] uh-huh uh-huh
[speaker002:] and so it's you know it helps out here and there so
[speaker001:] oh you mean uh for for you using your credit card you get like a rebate or something
[speaker002:] yeah they give you I think they start giving you like a half a percent back which doesn't sound like a thing but when you you know when you add up everything you've you've charged up on the Discover card for a year
[speaker001:] uh-huh
[speaker002:] and they give you a half percent of that and that adds up to you know two fifty or something
[speaker001:] oh I see
[speaker002:] and so that's what and I know we're going to get back more this year because they you know we spent a little bit more
[speaker001:] uh-huh
[speaker002:] probably and they do it for how long you've been a member I think too
[speaker001:] um I see
[speaker002:] and they increase the percentage a little bit
[speaker001:] yeah well I'll