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[Estellex]

I try to keep it at 0 but it is getting harder and harder for me to do that.

 

[Skyfox]

If you can’t keep it at 0 you should destroy it.

 

[ChuyMasta]

-$200 on Wellsfargo
-$150 on Chase saphire (preffered?) I dont recall or maybe capital one
-$150 on Capital one


Those sign up bonuses are neat! Though now I gotta do monthly homework to meet minimum requirements including transactions

Other than that, yeah on average 3k a month total among all cards, I just pay it all off every term.

 

[Jonirenicus]

Too much, especially since I just financed a bunch of house stuff via Synchrony Bank which is classified as a "credit card" even though it's low interest, fixed payment repayment (It wasn't optional house stuff, hooray plumbing nightmares)

 

[CrankyJay™]

Well, zero, but I have a balance of like 7k across 4 cards that will all be paid off before I get charged any interest.

 

[Birdo]

None.

But a £13,000 student loan debt that I'll never pay.

 

[infinitys_7th]

$0 accruing interest. Everything gets paid off automatically.

I've only got about $25,000 in debt now, between land and car loans. The former is at 3.9% (great rate), and the latter is at 1.8% (basically cash), so almost everything goes to principle. I'm mostly paying myself now.

 

[newtypepilot]

If you can’t keep it at 0 you should destroy it.

pretty much this. Credit card debt is a bottomless pit

 

[LoganKnight4949]

0 debt. Whatsoever.

Edit: I never want to be a slave to a soul-less, faceless, corporate institution.

 

[Halo is Back]

$0

 

[Al Abaster]

I don't carry debt on my credit card. It's just a convenience for larger purchases and game subscriptions, and I pay off the full balance every month. I have no debt in my life at all, actually, with the exception of my mortgage. That will be paid in full in three more years. This will be the second house I owned outright.

Debt is evil. The key to a happy life is living below your means, not beyond them. If you can't pay cash for it, you can't afford it.

 

[Nester99]

$0.
if you carry a balance, try and get a line of credit to dump the balance on for lower rates. Be careful of seing a balance free CC as an excuse to spend more.

If you cant pay your CC off every month, you are doing it wrong.

 

[iconmaster]

More than usual.

 

[Joelenheimer]

Maybe around $200. Buy groceries and gas with it and pay it all off when the bill's due. If you've racked up some debt you're doing it wrong. I've met too many dummies that get credit cards and think "FREE MONEY" now they're fucked...
edit
If you can't buy whatever you're looking to get with that credit card right now, cash. Don't use it.

 

[kingbean]

Probably around $14,000.

I did a lot of big purchases to set my house up how I wanted it and I've just been slowly paying it off as I go.

Luckily I make decent money and don't struggle with it.

 

[Paltheos]

A few hundred at the moment, all misc. credit card debt that I generally pay each month.

 

[eddie4]

If I don't have the money, I don't buy it. Simple. I own no credit cards, nor do I do any kind of loans.

 

[pennythoughts]

around 2 grand, paying it all off before I finish school in 2 years.

 

[Tenaciousmo]

10k and peanuts Total debt left to be cleared

 

[Drake]

Eh, like 800 bucks. I pay for everything with it though and pay it off at the end of every month.

 

[kingwingin]

14000, I like shopping

 

[logicslayer]

None. I mean technically $3,000, but I pay it off every month and earn around $50 in rewards a month.

 

[Alfen Dave]

Any Ramsey fan here?

Anyone?

 

[eot]

zero debt

fuck going into debt

 

[Nobody_Important]

We had to buy a new TV when we moved, but it's almost paid off. Less than $500 though.

 

[jadedm17]

About $8000, up from $5000 ive worked it down to - Around $15000 a few years ago.

Left my job and im making almost nothing right now so im struggling. Hopefully October will be better - job interview for new place tomorrow - but September is gonna be rough.

 

[Melon]

None because I don't have a credit card.

 

[bitbydeath]

I use mine to offset my mortgage so it gets paid off at the end of each month.

The only real debt I have is the home loan.

 

[TrainedRage]

$0
Just finished paying off my car. Yay!

 

[V4skunk]

None. Never had a credit card.
Had bank loans in the past, I'm debt free completely at this moment.

 

[gatti-man]

0 but I do have a car note and mortgage.

 

[Kadayi]

None. CCs are fucking financial cancer. I try and avoid that shit as much as humanly possible (been there, done that, sold the movie rights).

 

[infinitys_7th]

Any Ramsey fan here?

Anyone?

That's kind of dumb advice for almost everyone outside of big cities with plentiful public transit.

You have to have a car (or transportation), phone, and internet access to get anywhere in the world.

 

[zelo-ca]

Any Ramsey fan here?

Anyone?

Just paid my car off yesterday. I am out of baby step 2. I'm DEBT FREEEEE BABYYYY

 

[zelo-ca]

That's kind of dumb advice for almost everyone outside of big cities with plentiful public transit.

You have to have a car (or transportation), phone, and internet access to get anywhere in the world.

The photo lacks context. He is saying sell your car if it is too expensive for your income. If you make 40k a year and have a 20k car he would tell you to sell your car and get a cheaper one.

 

[Dark Star]

I pay off my credit card ASAP, like the moment I have access to the billing statement for the month.

so... $0 and no debt whatsoever. If I can't afford it, don't have the cash on hand, I don't buy it, and I definitly don't use my credit card unless I'm actively trying to build my credit score

 

[godhandiscen]

I pay mine bi-weekly. I just paid again, so I am at $0, but it can grow up to a few thousand.

I wouldn't say CC's are a net negative. Building credit is one of the most important factors taken into account in your credit score, which enables you to access loans that allow you to buy a house or start a business. It is absolutely important to pay your CC debt ASAP, but completely denying the use of them is a bit short-sighted.

 

[real1]

80k

 

[Guiberu]

Mother of my child has been fucking me the past few years. Went from having a few thousand in savings, to now being £7k in debt.

Hate it. Probably one of the most emotionally damaging things in my life at the moment.

Always pushing forward though.

 

[JORMBO]

I pay mine off each week. I only use it since I like the rewards points.

 

[Susurrus]

I use my Sapphire Reserve and Freedom for just about everything I buy, but pay it off every paycheck (2x month). Collect the points and don't pay any interest.

Bought airline tickets from Washington DC to Seattle round trip, and Seattle to Honolulu round trip for a family of 3 + lap baby and used only points, so I'd say worth it.

 

[Vicetrailia]

About 2000. I paid off a big medical bill on a 12 month interests free card. I pay off 500 a month so I'm almost done, just in time lol.

The only debt I'm worried about is my student loans with 25k left to go.

 

[Cunth]

$30,000. I bought a bandaid from an American hospital

 

[ClanOfNone]

ZERO

I owe about 10k on my car loan, and that's it.

 

[M.W.]

Stopped paying them years ago, no idea as I burn my mail.

 

[EverydayBeast]

Every purchase is worth it and debt can really add up, personally I have zero debt, to answer the OP’s question.

 

[oagboghi2]

54 dollars.

It’s the student loan that kills ya.

 

[Celcius]

I don’t have any debt and have never owned a credit card in my life.

 

[Cleared_Hot]

Just went from around 6k to zero

I don’t have any debt and have never owned a credit card in my life.

What's your credit score?

 

[StreetsofBeige]

$0.

It's also a no fee dividend kind of card, so after using it to buy stuff all year, I get back around $500 cash.