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To love...or hate.

I'm talking about credit cards.  Recently, Dan told me a statistic that the average American household owes over $15,000 in credit card debt.  They're sneaky things and everyone knows that it's so much easier to whip out a piece of plastic as opposed to count out the cold hard cash, but utilized correctly, credit cards can be mastered and actually be a positive.

For example, Dan and I have only students loans (graduation coming up, ouch) and credit cards to base our credit report off of.  All of my loans are currently in deferment, doing little for the rating, and all of Dan's were small and quickly paid off.  Our rent is paid privately to a family, not a business, so it's not reported or able to wield positive influence on our rating.  So all that really leaves is our credit card.    I've had the card for probably close to 6 years now and have only used it as float--putting every possible purchase on it and paying it off IN FULL every month.  And luckily for us, all of my pre-marriage years on the card count for Dan once we got married (he was the cold-hard-cash operator before that).  So, that's been a major positive for our credit rating.

The other positive we have is that purchases give us points for every dollar spent--and we can turn these in for gift certificates.  We've recently tallied it up that we've probably "made" about $425 over the years utilizing these points.  These buy us extra fun things--like Dan's new SawZall.

Used correctly, definitely something to love. :)


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