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Personal Finance and Investing

MIButterfly

(2,491 posts)

4. I learned it the hard way myself. I was 40 years old, forced to move back home and couldn't buy a car

Reply to lark (Reply #1)

Sat Feb 28, 2026, 10:16 AM

Saturday

without my mother co-signing for me due to credit card debt. It took me over seven years to pay off my debts and clean up my credit and I watch it like a hawk now. I never put more on my credit cards than I can afford to pay off each month. I've had to dip into savings a few times when an unexpected emergency came up, but other than that, I don't let them get very high.

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lark lastlib

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For some reason 2 of my credit cards sent amendments to terms. [View all] bucolic_frolic Saturday OP

Credit cards never get used in our household, except to hold reservations. lark Saturday #1

I learned it the hard way myself. I was 40 years old, forced to move back home and couldn't buy a car MIButterfly Saturday #4

Good for you! SheltieLover Saturday #8

Thank you, SheltieLover. MIButterfly Saturday #9

Excellent dedication! SheltieLover Saturday #10

There was a woman at work who was behind in one of her credit cards and every other credit card she had MIButterfly Saturday #2

Guessing it means if payments are past-due, those, plus current min. due are required to not be considered late. SheltieLover Saturday #3

Ah, thanks, and the late fee on the one is $35 /nt bucolic_frolic Saturday #5

So, to avoid the late fee, all payments in arrears plus current payment must be made timely. SheltieLover Saturday #7

"This is worse than getting married. " Pretty funny 😍 walkingman Saturday #6