Some Questions on Your Credit Card Use

60

By emievil

It’s Christmas season and credit card use is on the rise again.

According to an article from moneyextra.com, credit card use actually increases during the Christmas season. I guess this is pretty obvious considering that this is the time when a lot of people are buying Christmas gifts (for others and for themselves), Christmas food, fireworks (for the New Year), new clothes, etc., etc. This is the season when I see my friends and former officemates ‘max out’ their credit card limits. Suffice it to say that after this, it’s back to worrying how they will pay all that debt.


So in memory of all these times when I hear people say they have managed to accumulate a large credit card debt during the Christmas season and that they don’t know how they will pay everything off, I thought about putting up this hub to gather some data from my dear readers. Don’t worry about giving your answers, I will not turn them over to the credit card company (LOL), neither will I sell them to the highest bidder (double LOL). I just basically want to find out the spending habits of the people here in HubPages and how they use their credit cards during this Christmas season. I hope you will indulge me by answering my questions.

How many credit cards do you have?

  • One
  • Two
  • Three
  • Four
  • Too Many to Count
  • None. I prefer to pay in cash.
  • What's a credit card?
See results without voting

When do you use your credit cards the most?

  • Before and during Christmas season
  • Valentine’s day
  • I use it evenly throughout the year
  • During my birthday
  • During enrollment of my kids
  • When I want to buy something expensive for myself.
See results without voting

Do you always use up your credit limit?

  • Yes
  • No
  • I don't know
See results without voting

For this Christmas season, did you use up your credit card limit?

  • Yes
  • No
  • I don't know
See results without voting

For this Christmas season, where did you spend your credit card the most?

  • Buying new clothes
  • Buying Christmas gifts
  • Buying Christmas food
  • Paying for my / our Christmas travel
  • Didn’t use it, don’t want to spend this Christmas due to the recession
See results without voting

Do you always pay the entire balance of your credit card debt?

  • Yes
  • No
  • Whenever I can
  • Never tried to
See results without voting

Do you think you can pay all your credit card debt that you racked up during this season next month?

  • Yes
  • No
  • Are you kidding me? I’ve never managed to pay all of my credit card debt.
See results without voting

What do you plan to do with your credit card/s after this Christmas season?

  • Hide them. I’ve reached my limit.
  • Still use them, what are credit cards for?
  • Cut them up and throw them away.
  • I dunno.
See results without voting

Do you plan on doing the same thing next year?

  • Of course.
  • No, I didn’t spend anything this year. Next year, I intend to.
  • No. I spent too much this year. Got to cut back next year.
  • We'll see.
See results without voting

And that’s it. Thank you very much for participating on my survey. You’re valuable response will help me come up with new hubs in the future. I will keep this survey open as long as there are readers voting. Thank you and a Happy New Year to you.

Do you have anything to add?

GeneralHowitzer profile image

GeneralHowitzer 2 years ago

I think the survey lacks something emievil hehehe I don't rely on credit cards it is a trap and very taxing too, I prefer buying in cash... By the way this is a great Hub I am skipping the voting and leave it to others... Happy New Year my dear emie!!!

emievil profile image

emievil Hub Author 2 years ago

Hey GH, Happy New Year. How come we're here in HubPages instead of celebrating New Year out there? :) Thanks for the comment. Yup, this is for credit card users :).

dohn121 profile image

dohn121 Level 3 Commenter 2 years ago

I voted, but have been a good boy as of late (as far as credit cards are concerned). I'm doing my best to pay int off, little by little. I really have one just for emergencies, like airfare, car rental, parts for my car, etc. I believe that all of us should have at least one and I don't mean debit cards. They are NOT the same! Great survey, Emie. Do I get a free cuppa or a lollipop for participating? LOL

emievil profile image

emievil Hub Author 2 years ago

LOL dohn, since you're the first one, I know your answers (hehehehe). Hmmmmm, maybe I should answer this one myself. This will make a great new hub, dontcha think? Lollipop eh, hmmmm? what kind? :)

Hello, hello, profile image

Hello, hello, 2 years ago

I found very tempting and adding up. I stopped. Thank you for your excellent hub

keira7 profile image

keira7 2 years ago

Superbe hub, Emievil. I also wanted to say CONGRATULATION to you for been one of the winners 2009. You really deserv it. I wish you a Verry Happy New Year my dear lovely friend. To and all your loved ones.:D

LensMan999 profile image

LensMan999 2 years ago

Waiting for final result of this credit cared survey in hubpages....Nice work

Tom Pittman 3 months ago

Thanks for the tips about credit repair on your web-site. The thing I would advice people would be to give up the mentality they will buy at this moment and pay back later. As a society all of us tend to do that for many things. This includes getaways, furniture, and items we want. However, it is advisable to separate your wants out of the needs. When you are working to raise your credit ranking score you really have to make some trade-offs. For example you are able to shop online to save cash or you can go to second hand outlets instead of costly department stores for clothing.

http://debteliminationstrategy.blogspot.com/p/debt

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