[speaker001:] do you do you have a lot of credit cards
[speaker002:] um no I have I have two actually
[speaker001:] well that's all I have too
[speaker002:] yeah I um one of them one of them I use one of them I don't uh one of them is like an American Airlines thing where you get free mileage
[speaker001:] oh yeah I've heard about those
[speaker002:] I yeah it's pretty good I use that and I got I'm close to a free plane ticket anywhere in the United States
[speaker001:] oh that's nice
[speaker002:] and and the other one is uh um a credit card I got it was a while ago I got it like a free gold card and it's good if I ever rent a car it pays for uh it pays for the insurance
[speaker001:] oh really
[speaker002:] so I keep that I never use that one but I happen to be going on vacation soon and I'm going to be renting a car so I'll put it on that card and then if I got an accident they would pay for the insurance yeah they would pay for the accident
[speaker001:] really really yeah I only have two one of mine's a gas card that I use just for my gas to and from work and the other one's a Visa for emergencies only
[speaker002:] yeah
[speaker001:] like if I go on trips and stuff I take it with me in case my car breaks down or something but other than that I keep it locked up
[speaker002:] yeah I never I never uh like I always pay you know like sometimes I use it out of convenience but I don't I don't run like on a a monthly balance you know I always pay whatever it is that that month
[speaker001:] yeah I just I make it a habit not even to carry my Visa because I've seen too many of my friends get in deep financial trouble with it
[speaker002:] um yeah well you can't it sometimes it easy I live in in in New York City and uh if you're going to go out and buy something for a hundred two hundred dollars not that it's such a dangerous place but you know I just sometimes I don't feel that comfortable carrying a lot of money around so it's good to have a credit card to pay for it with that um I use it for that where you live in LA
[speaker001:] yeah no thank heavens I live in National City which is almost as bad
[speaker002:] where is that
[speaker001:] National City it's outside of San Diego
[speaker002:] oh okay okay
[speaker001:] and unfortunately there's a lot of gangs around here so it's like I don't carry money and I don't carry credit cards
[speaker002:] right uh yeah it's probably a good idea but uh yeah but I I don't mind I I don't see what the big deal is with um I I I couldn't see spending more than I had to pay the bill with because eventually it's going to catch up with you
[speaker001:] I know I don't see how people can do that either but I know a lot of my friends have gotten in trouble deep trouble with them and it's like well why'd you guys do it oh well it's so easy to use
[speaker002:] right
[speaker001:] and it's like yeah it's easy to use but you have to pay for it you know didn't this dawn on you but
[speaker002:] sure sure
[speaker001:] I got my credit cards through a guarantee agency do you know what that is
[speaker002:] right uh no
[speaker001:] you give them you put so much money in an annuity and it guarantees your credit card like say if something happened to you they could still pay off the balance with what's in there
[speaker002:] right that's cool
[speaker001:] and whatever your limit is you keep that much in your annuity fund and it's worked pretty good for what I've had it for about five years now and you can take the annuity out the money out of the annuity if you want to but it's just there like you know in case you died suddenly or something
[speaker002:] right right
[speaker001:] you know they wouldn't be stuck with the bill
[speaker002:] cool cool that that's
[speaker001:] so I like it that way
[speaker002:] yeah you know they get paid for if you're dead right you know
[speaker001:] yeah at least they won't be coming after my husband you know saying hey your wife's charged so much money on this credit card we want the money
[speaker002:] that's true but then again you don't have to deal with him if you're dead so
[speaker001:] no but I don't know I wouldn't want to leave him and my kids in that kind of a situation
[speaker002:] that's true that's true
[speaker001:] but I'll tell you what it comes in real handy when you've got kids cause we went we went on a trip to Arizona we drove there and the car broke down and it was me and my husband and our two kids in that car and Arizona is really hot
[speaker002:] right
[speaker001:] and it's like you know if we didn't have that Visa we would've been stuck there in that heat for heaven knows how long
[speaker002:] yeah that was like yeah like like the first time I ever got a credit card was for that reason because I was in uh where the heck was I I forget where I was I know I was in Europe one time and they ran out of money but I couldn't get money on my credit card either oh I was up I was dating a woman upstate New York and I was up in uh upstate and I had been in college and I guess I took like a hundred two hundred dollars with me or whatever at that time time maybe fifty bucks was enough to live on for a week but I I took some money with me and I ran out of money like at the end of the first weekend I was supposed to be there for a week
[speaker001:] yeah huh
[speaker002:] and I needed to I called up my father and I said dad you know go to my bank account and withdraw a couple of hundred bucks or whatever it was and could you send it Western Union and it was a pain in the neck I had to like wait till Monday and you know wait till the office opened and it took time and everything became a pain so what I did was I uh
[speaker001:] yeah
[speaker002:] so what I did right after that is I got myself a credit card in case it ever happened again I can always you know buy something on the credit card and and not have to worry about carrying cash around
[speaker001:] yeah
[speaker002:] so that was about ten ten twelve years ago and I've always had one since and like you said for that reason it's it's easy you know if you need the cash I couldn't imagine