How long has is been since you used cc?

**suzysaver** · 11-08-2006, 11:56 AM

I always thought it would be too crazy to cut them up, but we did this about 8-9 months ago and before that we didn't use them for about 5-6 more months. I don't have them anymore, I was just wondering how long it's been since you all used yours and was it an emergency??? I have realized that if I fund the EF I won't need them. It always scared me to cut them up, for the just in case factor...but it was simply too tempting to have that credit.

**Telephus44** · 11-08-2006, 12:30 PM

Actually - it was last Friday. I bought something online and I always use a CC for that - I had a dispute with an online merchant once, and ended up contacting my CC to remove the charge (which they did), so I always use a CC for online purchases now.

I actually use my CC about twice a month - and I always pay off the bill in full.

**guest32** · 11-08-2006, 12:33 PM

We last used ours on our vacation to Alaska.(June) Paid it off when we got home....

**Jerseygirl** · 11-08-2006, 01:21 PM

I use Amex for everything, almost daily, for my points and to track spending, but I pay it off each month. I would never fully get rid of cards because of hotels, rental cars etc.

**FrugalMomof3** · 11-08-2006, 01:26 PM

hummm for me it would be since last December 2005, since then I haven't used my card and back then NO it wasn't for emergencies it was just frivilous (sp?) spending.

**dmvezina** · 11-08-2006, 02:12 PM

I dont' even own a credit card, never have, thankfully or I think I'd be in trouble! LOL

I have a debit card that I use like credit though because I earn rewards points each time I use it that way and will get free stuff when I have enough points.

**miaumiau** · 11-08-2006, 02:40 PM

I use it twice a month to keep my rate at 0% for the lifetime of the balance. Usually I would charge $0.10 each time at the gas station.

**3-boys-4-me** · 11-08-2006, 02:48 PM

Just last night. We use it often, but pay the balance off at the end of every month.

**Darlene** · 11-08-2006, 03:29 PM

Today when I went grocery shopping. We rarely use cash and always pay in full every month and earn cash back bonus for using it.

**homesteadmamma** · 11-08-2006, 03:35 PM

It's been years. We cut up our cc and closed out all our accounts. We've never found the need to have one since.

**Dolores** · 11-08-2006, 05:27 PM

About fifteen minutes ago. Have points on this one and PIF every month.

Dolores

**rachelMcK** · 11-08-2006, 07:02 PM

Once a month, to pay the phone bill, then its paid right after...but an actual purchase...DH and I haven't used them in 3..almost 4 months!!!

**autumnlynn** · 11-08-2006, 07:09 PM

It will be three years in January since I cut up those ccs.

**pkellyc** · 11-08-2006, 07:31 PM

Two days ago. I bought dd a Christmas gift online. Hard to believe with standard shipping but it arrived today.

I always pay my card in full in fact it won't arrive on my bill until next month but I will pay it online tomorrow when I pay the rest of my bills.

**suzysaver** · 11-08-2006, 08:09 PM

Thanks ladies, wow some of you have such self control. Great job paying it off every month, we used to try to do that..but good intentions are not always realistic. I do wonder how we will ever get a hotel room or plane tickets...but we won't be going anywhere for some time.