Chuck wrote:

"Matt Whiting" wrote in message

I still don't see how this works as the interest you pay means that you
can now have even fewer necessities than if you paid cash for them.


You just don't get it, do ya?

Of the 3 "luxuries" that I said that I have, only one *might* have been
bought on credit and had to pay any interest. That would be the Dell PC. For
your information, I did charge that PC, but paid it off with my tax refund 2
months later. I paid 1 or 2 months of interest. Big deal. Dish Network and
SBC don't charge any interest that I am aware of.

If you will read, I have ONE credit card (Sears, for school clothes, tools,
etc) that I am paying interest on. For someone in my financial situation, I
don't feel that is all that bad.

Ok, I'll bite. If somebody is going to pay interest on one credit card, why
choose a Sears Card (now issued by CitiBank), which usually has an APR in excess
of 21%(!)? Even doing something silly like a balance transfer to a lower rate
card (like one of the many offers that show up offering 0 to 5% APR) would make
more sense.

Would you stop trying to pry into my personal situation please.

Who is "prying?" into anything? You freely posted your financial situation for
all to view.