[speaker001:] the topic today is credit cards
[speaker002:] yeah bummer
[speaker001:] uh why don't you go ahead and tell me some uh some of your favorite uses for a credit card if if at all that's applies
[speaker002:] no because I don't have any
[speaker001:] okay
[speaker002:] I gave up all my credit cards when I got my first divorce it's uh
[speaker001:] well I wish I was in your shoes Pat I uh I was I was I was in pretty much control of my credit cards up until the point where we moved down here from South Dakota and then uh it took my wife and I about two months to find a job so in that interim everything went on the credit card
[speaker002:] oh yeah um
[speaker001:] and uh so now we're slowly trying to pay it off and if I would I just keep thinking if I would've just been able to take that money and put it in a savings account instead of
[speaker002:] paying bills
[speaker001:] right I'd be uh you know I'd I'd be doing all right today but no I've got those darn credit card bills hanging over my head
[speaker002:] yeah but that's still it still helps sometimes sometimes they help and sometimes they don't
[speaker001:] right
[speaker002:] you know I think if I had one I'd probably be maxed out
[speaker001:] well that uh that's uh always a possibility
[speaker002:] you know
[speaker001:] um
[speaker002:] because I'm not very what you call uh what's the word uh controllable
[speaker001:] okay
[speaker002:] my husband is but I'm definitely not one of them people
[speaker001:] okay well I uh while we were doing like I said we were doing all right you know we'd put gas occasionally go out to eat or pick up a small gift or something you know some clothes or something but and we could always pay it off when
[speaker002:] um-hum
[speaker001:] when the bill came and when we moved down here and everything was going on the credit card I think we we got a little rampant we you know went out to eat out everything and you know we'd we'd have to go to Wet and Wild and we had to basically play tourists the first
[speaker002:] yep
[speaker001:] the first month that we were here and of course everybody takes credit cards so
[speaker002:] um-hum why not
[speaker001:] it got uh it got way out of hand but thankfully we're we're now
[speaker002:] um-hum
[speaker001:] working to pay them off and and we haven't put anything on them in a couple months
[speaker002:] oh yeah it gets bad
[speaker001:] it can it sure can well what uh
[speaker002:] um
[speaker001:] what do you find are some of the best advantages of credit cards
[speaker002:] emergencies
[speaker001:] um-hum
[speaker002:] if you have one major credit card you can do anything during an emergency
[speaker001:] that's true
[speaker002:] other than that then you're more or less have to have money or uh some kind of way of getting some
[speaker001:] right right
[speaker002:] so that's probably you know the best thing I can think of the the bad thing is you get accustom to them
[speaker001:] that's right you can you certainly can
[speaker002:] you know so I don't know I had I was used to them and then when my me and my husband broke up and I had to pay all the bills that did it I huh-uh none I don't want any
[speaker001:] well I understand that you know you can't even rent a car hardly or uh
[speaker002:] with
[speaker001:] get an airplane ticket without a credit card
[speaker002:] without one that's right
[speaker001:] it's
[speaker002:] unless you got cash money
[speaker001:] right well even if you have cash it's hard to if you're under twenty five and you you have cash you still can't get still can't rent a car you have to have a credit card
[speaker002:] um-hum you can't rent a car no you can't rent a car yep um-hum
[speaker001:] and that uh I don't know
[speaker002:] I think the only thing that saves me there is you can rent a car through TI if I really had to rent a car
[speaker001:] okay you work with TI then okay well you don't even speaking of cash you don't get the five dollars for the phone call you just you get the gift part isn't that how that worked if you're a TI employee
[speaker002:] but other yeah yeah hum I get a little point and you get so many points and you get the little pick a little gift and that's about it
[speaker001:] well that's all right that's that's an interesting incentive we uh we wanted to do it because we weren't from the south and I think we would able we'd be able to
[speaker002:] meet more people or get to know get to know about Texas more or less yeah um-hum
[speaker001:] well not yeah exactly you know get get to I still have a hard time uh understanding some people's accent
[speaker002:] oh yeah
[speaker001:] you know I I can't I I just can't understand what they're saying
[speaker002:] what yeah some of them have some strong ones
[speaker001:] but yeah there are
[speaker002:] yeah I've only been here thirteen years so
[speaker001:] okay where are you originally from
[speaker002:] Los Angeles
[speaker001:] Los Angeles boy there's a change
[speaker002:] definitely
[speaker001:] I suppose it's not as cold there as it is here now
[speaker002:] no now I wish I was back so it's hot
[speaker001:] well what's life in LA like
[speaker002:] not good that's why I'm here uh-huh
[speaker001:] okay a lot of crime and
[speaker002:] oh very high
[speaker001:] seems to me you know I I couldn't understand why it would be such a heavily populated area if there's so much crime so much smog so much traffic
[speaker002:] because you can't people can't leave you can't just up and leave and not know where you're going I left because I was in the service so I didn't have you know I had a lot to I could leave
[speaker001:] okay