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12-21-2016 05:36 PM
I canceled my only credit card! I can't handle them and am starting 2017 fresh! I borrowed from IRA to pay off card. Bad bad bad I know. Taxes were deducted. I can't just keep it for emergencies. I ordered 3 purses 2 new with tags off eBay and and Amieesomebody off QVC! I am cash only now or debit card!
12-21-2016 05:38 PM
You may not be able to reserve a hotel room or rental car without one.
12-21-2016 05:43 PM
@Pinkroses wrote:I canceled my only credit card! I can't handle them and am starting 2017 fresh! I borrowed from IRA to pay off card. Bad bad bad I know. Taxes were deducted. I can't just keep it for emergencies. I ordered 3 purses 2 new with tags off eBay and and Amieesomebody off QVC! I am cash only now or debit card!
It is not a great idea to cancel a credit card. It will lower your credit score. It is not safe using a debit card for online shopping. I can only say. You know yourself better than anyone.
12-21-2016 05:45 PM
This post has been removed by QVC because unkind
12-21-2016 05:46 PM
My husband and I cut up our credit cards years ago. Best thing we ever did! Now we pay cash for everything or we don't get it. We use our MasterCard debit card to reserve hotel rooms so no problem there.
12-21-2016 05:46 PM - edited 12-21-2016 05:47 PM
I don't need a hotel room and I can't rent a car because I am handicapped and need a knob on my car to drive so I don't rent! Yes Taking funds from IRA was especially stupid!
12-21-2016 05:49 PM
You took money from your IRA to pay off your debt. You cancelled your credit card because you are unable to handle your finances. Now, you buy more stuff because why!!! It appears you still have not learned to handle your finances. Just because you have decided to pay cash instead of using your credit card makes no sense. If you paid your credit card bill off every month, you would not be in a financial crisis. I suggest you analyze why you are spending money you don't have.
12-21-2016 05:50 PM
12-21-2016 05:52 PM
No one knows you better than yourself. I applaud you for wanting to pay off your credit cards and if you took money out of your IRA to do so, it's none of our business.
12-21-2016 05:54 PM
I would see if I could get a credit card with a small limit, and keep it for emergencys
I would also stop shopping on ebay, or any other place for a while.
It you stop looking for things to spend your money on, you will be way ahead. Pay yourself first
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