I been riding out this storm for 13 months now credit card balances are less than a 1000.00 my line of credit is still there i make the min payment and its building again all this with less work fewer hours put in etc.
but when i use my amex card or MC i dont try to hold a balance they get paid before i buy food.
Mind you I drive an old van never bought new furniture, i dont have any toys like a boat or a snowmobile to make payments on.
Maybe being poorer than most has made me not so dependent on credit. An old hotelier once told me if you borrow money you have to pay it back . I have never forgotten that and he told me that 15 years ago.
