How people view your CC usage.

[nj23]

I think many people just don't know enough about them.  I'd definitely say many of the people I've encountered think that credit cards are indicitive a problem.  I can't really blame them as living beyond our means has become the American way.     

[Stanic413]

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@Anonymous wrote:

Yes, hopefully most of us keep our cc obsession here and not in the rest of our lives.   When people talk about having all their credit cards in a spreadsheet, with statement cut, payment due, APR, CL, 0% period etc, I just have a vision of someone bringing that out on a first date.  

"And the reason I'm paying with the Freedom, is that this quarter I get 5% (up to $1,500) which I can transfer to my CSP, or Ink for that matter, then I can transfer them to British Airways Avios which I can then use on American.   Now I was thinking of using my cash plus, but the utilization on that is 32.51% and US Bank reports at the end of the month and I want to..   Where are you going????"

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You may be on to something here.....

Whenever I'm on a first date I know I don't want to go on a second, I may have to bring this up when a guy asks about what I do in my free time.  It does have the potential to backfire though.  He may offer to help and ask if he can come over to check out my spreadsheet.  

[vanillabean]

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@nj23 wrote:

I think many people just don't know enough about them.  I'd definitely say many of the people I've encountered think that credit cards are indicitive a problem.  I can't really blame them as living beyond our means has become the American way.     

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Many certainly see cards as temptation. I think it’s simply a matter of how you look at it. It’s important to put the options on the table, and people often don’t do that, maybe because being scared turns off rational thinking.

I see others’ lack of credit card usage popping up mostly at eating out when it’s time to split the bill. Those paying cash are often also the ones the most resistant to discuss openly how to take care of the bill.

[Stralem]

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@nj23 wrote:

I can't really blame them as living beyond our means has become the American way.     

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It's not just America.

South Korea has it bad, maybe even worse than us.

[grinlikechelsea]

My friends at first asked why I never used my debit card and why I used a different credit card for different things, but I explained to them about getting rewards and how credit cards are awesome if you pay them all back at the end of the month. It's pretty cool actually, since a few of my friends have started to build credit and ask me for advice on how to use their new cards or which cards are the best for them. They're doing really well so far, so I'm actually glad they asked about it so we could build their credit together.

[hyprble]

No one's outwardly said anything about my using a credit card, but I do try to educate people that if they pay in full each month and treat them like a debit card they can take advantage of rewards.  Also, if your credit card is compromised, it's less scary than having your checking account wiped.