Sorry dude
But it really hacks me off when people blame the banks for letting them get into debt. You are a grown up after all and the easiest way not to get into debt is to not spend more than you have. Pretty simple really.

Blaming the banks for this is a bit like fat people blaming Tescos for putting all those lovely chocolate cakes on the shelf.

Too many people these days love to shift the responsibility onto others, rather than taking it. All credit to you for paying off the debt, but you are only one who is to blame, in my opinion.

*steps off soap box*
(Tom Jones's Mojo Hasn't had any since, Mon 22 Dec 2008, 13:01, 1 reply)

I have to agree.
No offence and all that - well done for getting out of debt but...

I am 19 years old, I have four credit cards and i use them just for conveniance, i.e if I want this before pay-day i will use my card and pay it off on payday. In the 3 years i have had cards I've never incurred interest. It's just about how strong your self control is.

:)
( Axai is in Montréal, Canada O.o, Mon 22 Dec 2008, 13:45, closed)

That's how I started out...
But as you may notice the question of the week was about addiction, which as the dictionary describes as:
–noun
the state of being enslaved to a habit or practice or to something that is psychologically or physically habit-forming, as narcotics, to such an extent that its cessation causes severe trauma.

Anyway, well done on the card no interest thing but you may find in the future that you're a bad credit risk because you aren't making the banks any money..:

#

Credit card companies may reject you for always repaying cards in full.

While you feel like the perfect punter, for credit card companies you’re a nightmare. If they can spot this trend, you’re likely to be rejected. The most profitable credit card customers are those who are perpetually in debt, never defaulting, but always managing to meet the minimum repayment.

Pay off in full every month, don’t use cards enough, or always shift debt to 0% cards, and if they can spot you, they may reject you.

From: www.moneysavingexpert.com/banking/credit-rating-credit-score
(Kip, Mon 22 Dec 2008, 16:30, closed)