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credit card debt in the thousands
Hmm
National Star



hmm wrote:
just kidding

do any of you have a credit card and do you Actually use it.. and most importantly what do you use it for  and do you think you've been wise with your purchases. also are you in debt Be Honest
15
Posts: 31615
Date: 21-01-2026 00:24
Dwaal
International Star



Dwaal wrote:
I do have one, but like it's just my normal payment card??? And no I've never been in the negative 
16
Posts: 5200
Date: 21-01-2026 00:25
Hmm
National Star



hmm wrote:
Dwaal wrote:
I do have one, but like it's just my normal payment card??? And no I've never been in the negative 
oh so you just use it like a debit card basically mmmm
15
Posts: 31615
Date: 21-01-2026 00:27
Dwaal
International Star



Dwaal wrote:
hmm wrote:
Dwaal wrote:
I do have one, but like it's just my normal payment card??? And no I've never been in the negative 
oh so you just use it like a debit card basically mmmm
yes exactly, though it can go negative if I let it... I don't though, I ain't that kind of brave 
16
Posts: 5200
Date: 21-01-2026 00:30
Hmm
National Star



hmm wrote:
Dwaal wrote:
hmm wrote:
Dwaal wrote:
I do have one, but like it's just my normal payment card??? And no I've never been in the negative 
oh so you just use it like a debit card basically mmmm
yes exactly, though it can go negative if I let it... I don't though, I ain't that kind of brave 
u are so much stronger than me i'd feel so tempted even the thought alone tempts me but. i'm afraid i will stick to debit until i get better income nsbhvdcdvbfn
15
Posts: 31615
Date: 21-01-2026 00:32
Dwaal
International Star



Dwaal wrote:
hmm wrote:
Dwaal wrote:
hmm wrote:
oh so you just use it like a debit card basically mmmm
yes exactly, though it can go negative if I let it... I don't though, I ain't that kind of brave 
u are so much stronger than me i'd feel so tempted even the thought alone tempts me but. i'm afraid i will stick to debit until i get better income nsbhvdcdvbfn
tbf I would need to spend a lot lot to go negative so that might also be a factor 
16
Posts: 5200
Date: 21-01-2026 00:33
Hmm
National Star



hmm wrote:
my mom keeps suggesting me to get one like she doesn't know i'm Insane
15
Posts: 31615
Date: 21-01-2026 00:34
Dwaal
International Star



Dwaal wrote:
hmm wrote:
my mom keeps suggesting me to get one like she doesn't know i'm Insane
I mean it's convenient, I was pretty happy switching from my debit (ofc now that I need to mention why I don't even remember) 
16
Posts: 5200
Date: 21-01-2026 00:36
Hmm
National Star



hmm wrote:
Dwaal wrote:
hmm wrote:
my mom keeps suggesting me to get one like she doesn't know i'm Insane
I mean it's convenient, I was pretty happy switching from my debit (ofc now that I need to mention why I don't even remember) 
at least ur building credit but honestly if it's like a debit card, other than for credit (and rewards question mark ?) i don't see the point NJHABGVSBE
15
Posts: 31615
Date: 21-01-2026 00:36
Private
Living Legend



Maxwell wrote:
I have 41k nok left in debt for the year of uni
gonna b paid back in 2028 fully 
other than that no debt

never used a credit card 
17
Posts: 33943
Date: 21-01-2026 00:39
Private
Living Legend



Maxwell wrote:
Maxwell wrote:
I have 41k nok left in debt for the year of uni
gonna b paid back in 2028 fully 
other than that no debt

never used a credit card 
that is I pay like 1k nok a month only to the student debt
nd it is a very chill loan like I can pause it but I have the money for it so les go
17
Posts: 33943
Date: 21-01-2026 00:39
Private
Streetmusician



kruspersille wrote:
ive never had a credit card n i dont pay for things w klarna either
14
Posts: 60095
Date: 21-01-2026 00:40
Private
Streetmusician



kruspersille wrote:
my moms bf pays for everything w his credit card but he does it to get points n bonuses n stuff, n he pays off all the bills at the end of every month
14
Posts: 60095
Date: 21-01-2026 00:41
Private
Living Legend



Maxwell wrote:
kruspersille wrote:
ive never had a credit card n i dont pay for things w klarna either
klarna scares me so much I cannot use it 
17
Posts: 33943
Date: 21-01-2026 00:41
Hmm
National Star



hmm wrote:
Maxwell wrote:
I have 41k nok left in debt for the year of uni
gonna b paid back in 2028 fully 
other than that no debt

never used a credit card 
oh how long have u been paying it off! how much was it originally.. 
15
Posts: 31615
Date: 21-01-2026 00:42
Private
Streetmusician



kruspersille wrote:
Maxwell wrote:
kruspersille wrote:
ive never had a credit card n i dont pay for things w klarna either
klarna scares me so much I cannot use it 
the thought of having klarna debt is actually so embarrassing 
14
Posts: 60095
Date: 21-01-2026 00:42
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