[speaker001:] Well, I suppose we both have credit cards.
[speaker002:] Uh-huh, yeah, they seem to be a part of life [LAUGHTER].
[speaker001:] Yeah.
[speaker002:] Yeah, how do you use them?
[speaker001:] Well, I do use them.
[speaker002:] Uh-huh.
[speaker001:] Uh, I have a few favorites that I use more than others and, uh, I try to keep my balances fairly reasonable. I, I could probably pay them off any month if I wanted to.
[speaker002:] Uh-huh.
[speaker001:] Uh, but occasionally they can get out of hand and get higher when, when you start using more than a few
[speaker002:] Uh-huh.
[speaker001:] and, uh, they all can build up.
[speaker002:] Uh-huh.
[speaker001:] Uh, I think they're handy. I just get, uh, I don't carry a lot of cash with me
[speaker002:] Uh-huh.
[speaker001:] and, uh, I hate writing checks
[speaker002:] Yeah.
[speaker001:] when you go shopping.
[speaker002:] Uh-huh.
[speaker001:] Well, do you use credit cards?
[speaker002:] Yeah, I use a few. I, uh, I watched my grandmother go into debt [LAUGHTER]
[speaker001:] Uh-huh.
[speaker002:] on them and so I've, and then I guess my
[speaker001:] Grandmother
[speaker002:] mother,
[speaker001:] huh?
[speaker002:] Yeah, so my mother learned from that and I guess she taught me [inhaling] to be very, very careful with them. So basically, uh, I just keep them, I use them so that I build up a credit rating, you know.
[speaker001:] Uh-huh.
[speaker002:] But, otherwise, uh, I generally, and my husband, it turns out, I've just been married seven months, but he has the same habit and we just keep a few
[speaker001:] That's good.
[speaker002:] you know, few of the major ones, and then use them once in a while for something, but we always pay it off right that month
[speaker001:] Oh that's,
[speaker002:] so that we don't pay any
[speaker001:] That's wonderful.
[speaker002:] service charge. So that way we keep out of debt and we keep on top of what we're spending.
[speaker001:] Well, the interest rates in credit cards is so high now
[speaker002:] Yeah.
[speaker001:] compared to what your savings is bringing. It's really, I guess ridiculous to let them keep building.
[speaker002:] Yeah, yeah, that's what I feel. So,
[speaker001:] But I know some people can get, get, you know, carried away with them and let them get
[speaker002:] Uh-huh.
[speaker001:] out of hand.
[speaker002:] It's really easy, just to forget, you know, that you, you charged that or charged that. I try to keep all my receipts and keep them in someplace where I know that the bill's going to come, but sometimes I forget and so, you know, s-, a bill will come in and I'll think, oh, no
[speaker001:] Uh-huh.
[speaker002:] I didn't know it was going to be that high.
[speaker001:] Uh-, yeah.
[speaker002:] But so far, I've been able to, we've been able to pay it off every time so,
[speaker001:] Well, that's good. I'm looking, right now I'm k-, kind of looking for a Visa that has a lower interest rate. It seems that some of them have gotten higher
[speaker002:] Uh-huh.
[speaker001:] and, uh, I saw on T V, they had a program on, uh, credit cards and they're supposed to, I don't know if it was Tennessee or Arkansas or some, some other state had a Visa card that was the lowest one in the country. And I
[speaker002:] Uh-huh.
[speaker001:] didn't write it down at the time and then I went and looked and, to see what my visa was and I think it's eighteen percent or something
[speaker002:] Um.
[speaker001:] so, think I want to find something that has a lower
[speaker002:] Yeah.
[speaker001:] rate.
[speaker002:] Have you ever used Discover card?
[speaker001:] No, I haven't.
[speaker002:] Yeah, I'm not even sure what their interest rate is since I pay it off [LAUGHTER] but you know,
[speaker001:] Is that the one from Sears?
[speaker002:] Uh, I think Sears originally
[speaker001:] Okay.
[speaker002:] put it out, but it's, uh, it's pretty well taken all over the U S now. I mean, uh, I've haven't found many places that don't take Discover. And there's no annual service fee, which is good.
[speaker001:] Okay.
[speaker002:] You know, and then, uh, they also give you, they say cash back, uh, like at the end of the year. For the amount that I charge, I get two dollars back or something [LAUGHTER]
[speaker001:] Uh-huh.
[speaker002:] but if you use credit cards a lot you probably get more back.
[speaker001:] Oh, they give you money back for using your credit card.
[speaker002:] Yeah, basically.
[speaker001:] Oh
[speaker002:] That's it.
[speaker001:] I didn't know that.
[speaker002:] And I think the service charge is pretty low, too, but, I'm not sure.
[speaker001:] Um. Well, you know, Sears was one of the few department stores that never would take any other credit cards.
[speaker002:] Uh-huh.
[speaker001:] I worked w-, at Sears for over ten years and, uh, it was only a Sears card that they would take
[speaker002:] Uh-huh.
[speaker001:] until I guess they decided to join the club and come up with their own credit card, another credit card that was
[speaker002:] Uh-huh.
[speaker001:] accepted, so, you know, now they'll take the Discover, but I still don't know if Sears will take Visa or Mastercard.
[speaker002:] Uh-huh.
[speaker001:] But, uh
[speaker002:] Yeah.
[speaker001:] I never did apply for a Discover card. I just figure with the Visa and
[speaker002:] Uh-huh.
[speaker001:] American Express, [breathing] I probably have an, I can do enough damage with those two.
[speaker002:] Yeah, I think it's best to keep the number down [LAUGHTER]
[speaker001:] Uh-huh.
[speaker002:] that you have.
[speaker001:] Yeah.
[speaker002:] So,
[speaker001:] I've got some that I, you know, I haven't even used at all, uh, past few years I probably wouldn't be able to use them.
[speaker002:] Uh-huh.
[speaker001:] But, uh, I, I do like my Dillard's, I have to admit that's one of my favorite places to shop.
[speaker002:] Uh-huh.
[speaker001:] And I do use Dillard's probably as, more than any of the other department stores.
[speaker002:] Uh-huh.
[speaker001:] But,
[speaker002:] Yeah. Well,
[speaker001:] Well,
[speaker002:] Do you have anything else to say?
[speaker001:] No, not too much more about credit cards [LAUGHTER].
[speaker002:] Okay [LAUGHTER]. I don't think I do either so,
[speaker001:] Okay well,
[speaker002:] Well, it was good talking to you.
[speaker001:] Good talking to you Beth.
[speaker002:] Okay.
[speaker001:] Good luck.
[speaker002:] Have a good evening.
[speaker001:] You, too.
[speaker002:] Bye-bye.
[speaker001:] Bye.