credit card debt management

Positive feeling...

negative feeling...

Credit card saved my Dad life:

All of a sudden my Dad had a heart-attack and need hospitalization, and we didnt had health insurance policies and for hospital expenses i could use my credit card and save my dad life.

                    -Santhosh

Credit card charges heafty interest rates.why credit card charges 36-42% interest rates, where as to my bank-accounts FD maximum offers around 10%.

    -Lakshmi

as and when i spend i get free  points, which i like the most and redeem for free gifts. In this world who gives things for free!!!

                    - priya 

i pay my credit card money on time or sometimes on the same date, but these credit card people charge me late-fee.

           - Xavier, chennai

i am using tied-up cards, like kingfisher , so i get free miles , which i can use it for free travel

                   - Ranjani

my credit card debt is so huge i dont know what to do , at times i feel credit card culture should not be there, this causes lot of spending habits and finally in a soup, lesson learnt " buy only if i have physical money, then i know the pinch of spending"

          - Raghav, Delhi

i opted for balance-transfer option of the credit card, so that i could get free money for three months

          - chetana

i have so many credit cards, i dont know to maintain, poor in maintaining, so i miss my dates to pay the credit card payment on-time

             -sanjay sinha

i prefer to carry credit card than carrying cash, it is bit safe

           - Ravi kumar

i had given some ECS clearance, due to this i am not even looking at the bills and analysing, and there was a scenario, where my phone billing was wrong and never had a chance to review the bill, before paying

          -ramya

 love to have credit cards, most of the time i do online shopping, so having a credit card is good and easy shopping mode.

          -Anonymous

i really get irritated, with the phone calls, how they really get the phone number, who gives my number, i get disturbed during my meetings... really irritating, they should stop this.

      -anonymous

 i can send frequent gifts to my lover

         - thomas

i lost my card, i need to pay for somebody's shopping!!!. It is my mistake too, i didnt report my lost card immediately.

     - anonymous

 my memory is very bad, i often forget to pay phone bills on-time. but now i had given ECS, to the credit card, so they take care of my billing on time.

cool man , some body takes care of you.

       - vivek

i got cheated on loan on card offer, i got more interest , my friend lesser interest number, looks like it is on the bargaining power. i learnt never accept, in first attempt. why can't they say some fixed interest rates across the plate to all of their customers, does it not affect the credibility. these credit card companies need to think on these terms as well.

           -anonymous

  i got cash back offer from ICICI credit card, this is my extra money.

       - Rajeev arora

as and when i call the credit card customer service center, always there is a huge waiting time and i need to hear their marketing statements on repeat , rather than paying on their cards, need to pay my phone bills , why cant these card companies hire more people and reduce my waiting time .

            -kannan

my shopping habit, earns me more points and i redeem , felt happy

i got really fooled, they joined my in one of the insurance plans, and i was paying the premium also for months, which i never noticed, why the card company( i dont want to reveal the card name) , why they are joining in me in which they had not even found that i am interested in or not.

          -Ram

 i could reduce my burden of my big shopping, in to my manageable EMI's. this is a real good feature. i am prompt on my bill payment.so this feature really helped me to reduce the burden

        -ranjit jha

i always get my credit card bills late, and i am not aware how much i have to pay, so that i cannot allocate and plan my budget , i need to call them and get a dublicate bill. really frustating when i see a huge late-fee charges on my card. it is my hard-earned money why i should leave it for some one.

my sister marriage was planned all of a sudden, i was short of money, i need money only for a month or two, as i know and expecting some money from my bonus, so swiped the card and got benefitted as well.

        - sumit

i withdrawed cash on my credit card, i never know that they will charge heavy amount they say "CASH advance FEE/ Withdrawal Fee", how many of you noticed this in your statements.

It is a good practice to read the documents what ever we recieve as a part of our credit card delivery kit, Being financially aware of things itself will save money.

          - devi priya

 so many cards so many options, which ever is of our choice i can think which i s best for me i can opt for it, i can go for indian oil/travel... i have a choice and option which i love the most. "You need to have options"

         - anonymous

i had applied for the credit card, i could not get the card, but the card company is not telling the reason why i am not eligible so that i can correct myself. why they are questioning on my credibility.

            - dilip

 i can renew my phone card, i dont need to find out near by shop, i am too much tied up in my work.

       - elizabeth

the card company promised on free card, where as it had charged my credit card statement, why these tele marketing executives are promising something which the company cannot maintain.i need to call their customer service and get it reversed.

            - hari

 i can book my railway ticket , flight tickets online , i hate to stand on the queue , i really love time management, time is money.

i opted for e-statement for my credit card, i am a software guy, there by i got a free reward points also. "Get benefitted and save Environment".

i read some where every 3000 sheets of paper costs a tree, why not think Globally and save environment also and we all opt for e-statement, which reaches before time so that we can be aware of our spending's

         -sunil

 i buy tickets online, now a days lot of travel agents give lot of discounts, in my last travel i could get all most 50% discount just because i used my credit card.

        - james

i used to get gift vochers like Crossword/big bazaar gift vouchers, i used to opt for these gift vouchers when ever i redeem my points, so that i can gift my loved ones during marriage or some occassion. So that they also get a choice of choosing their gifts, as well as i also spent my money correctly(i feel so)!!!

           - krish

i get insurance covers, flight delays, loss of passport during my travels, so i love my credit cards, i feel they take care of my tough times also. this is my feeling , i love who ever cares for me. they care so i love them.

            - samy