Friday, March 5, 2010

5 Easy Ways To Stay Out Of Credit Card Debt

commerce bank card 1
After years of wallowing in credit card debt, and with many more wallowing years to come, I hereby give you the wealth of my credit-card-debt wallowing knowledge in the hopes that you'll learn from the error of my ways:

5 Easy Ways To Stay Out Of Credit Card Debt

1. Don't use credit cards.

2. If you have a credit card, pay it off then cut it up.

3. Whenever you hear this: "You have been pre-approved for a new low-interest credit card." Remember that it actually means this: "Come wallow with me. The water's fine!"

4. The main purpose of credit card companies is to make money. They make money by charging interest on your debt. Debt is a four-letter word. Stop being a potty mouth!

5. Don't use credit cards.

Oh, you keep only one credit card around just in case of emergencies? Yep, that's what they all say.

And now, a song:

Come Buy With Me
Sung to "Come Fly With Me" by Frank Sinatra

Come buy with me, let's buy, let's buy today
If you can use some exotic booze
Use your card and buy away
Come on and buy with me, just buy, let's buy today.

Come buy with me, and you'll get your bill next month
Pay it all or not, we don't give a snot,
Interest rates are going up
Come on buy with me, buy those things you haven't got

Once you have a card, just one will never do
What you need is two, or maybe four.
Spend to your limit, then spend even more,
Thank you for your business, we!

Credit-wise it's such a lovely day,
Just say the words, you can charge those birds
Take them home with you today
Why wait another week until you're paid,
When you can buy with me, just buy, just buy today.

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