Credit Card City Win $1000 Cash Contest - Responses

Listed below are the responses to our online competion all entries are in with a chance to win $1000. Competition ends July 30 2009. Click here to enter online

I hate my credit card because it's too easy to max it out.
I love credit cards because you buy anything of your wildest dreams and spoil your self and family loved ones i hate credit cards because you have to pay interest and pay back what you spent and because they have a limit you can go up to there should be a ever lasting credit card, with no re payments!
hate hate hate love hate its a real love hate relationship with the credit card. i love to spend and i hate the debit
Over the many years I have had my credit card it has proved to be a useful and convenient tool. I use it to make purchases whenever I can including paying bills on the internet. The reward points I have earned have been put to minimum use. Each month I cross check my invoices against the statement entries to ensure that no illicit transactions have been charged to my account. There have been rare occasions when I have found an error and invariably the credit provider has denied responsibility referring me back to the supplier. On each occasion I have ultimately proved the mistake was made by the credit card staff and have received an apology and correction. I have found it useful when overseas but discovered that the credit card provider objects to my putting of the account in credit before travel. Each month I pay the balance in full and so avoid the usurious rates of interest charged. I do think there is no justification in charging an annual fee for the card con! sidering the returns that are obatained from the supplier of goods, these charges been factored into the purchase price. some suppliers are now levying a separate charge to the consumer and I believe this is a negative reaction and does nothing to ehance business relations.
I love my credit card because l can buy what I want now and I earn points so I can redeem these points for vouchers and buy more stuff. I buy everthing on my credit card and then I only have one bill every month to pay which I can do on line, I don't even have to leave the house
I hate my credit card as it far too easy to use! I really need to start paying it back off... but its hard being a student
Simply this "interest rate" absolutely ridiculous 17 -20% and even if you bank with the institution they still charge the same no reduction for belonging. Scandalous , shame shame shame.!that`s why i will never own one
i hate credit cards because of the interest you have to pay back on them they can get you into alot of debt if you aint carefull
I love my credit card because it allows me to buy what I need/want right there and then and pay it off later. If I have a birthday party invitation at the last minute I can quickly go shopping for the right gift and I don't have to wait until pay day. Love the ease of using it and paying it off.
Love it because it is easy and interest free for up to 55 days. Hate it because of annual fee, and cash advance fee (interest rate actually isn't that bad
all of us when we started young couldnt get a credit card. because cash was the way of life back in the 80's. so when we went to get a loan we had no credit history. so we got made to get ourselves in debt in order to get the things in life. contracts, loans and credit cards are given out to easily to young people who have not experienced bill paying or budgeting. then on the other hand we have to keep up with the times of the fantastic plastic of credit cards. booking online holiday's, shopping and other convenient services to make our life easier. if you can control and not over spend your weekly limit the credit card is your best friend. if you go beyond your means of spending they can be your worst enemy. two minds for me on love or hate, but the key to any finance and credit is control of spending; do you really need it.
I love my credit card because we as a family live off it from month to month. We make the purchases we would normally make while receiving points in order to gain something back for the money we would have spent anyway. On average we would receive $400 per year in bonuses.
When you are paid monthly they make shopping and p[aying bills a lot easier. When the pay is in pay your credit card balance.
I love my credit card because I don't have one and can't get one because I am on a pension, therefore I cannot put myself into debt. I hate my credit card or lack thereof because I would like to be able to use it in emergencies. I could then pay it off over the next month or 2.
I love my Credit Card at the moment as I am travelling First Class on Monday to Bangkok and returning First Class from LA on a great 42 Day Cruise on the Diamond Princess. All the points that we have accumilated have finally paid off for the flights only and we pay our Credit Card in full every month so treat it like cash.
I love my AMEX gold card initiated by NIA because I got it for free lifetime no annual fee and Ascent membership. The rewards program is excellent - so versatile and many choices available - just wish I could use the card everywhere. With my new Ignite credit card from Westpac, that has low interest rate and no annual fee as well so that's great too. With these 2 credit cards, I don't need to carry too much cash and that is less risky if you get robbed and you can cancel the credit cards anytime if they do get stolen or lost. I wouldn't do without my credit cards and I'm able to use them wisely to my advantage by paying my debt off every month by bpay on the due date so I get at least 55 days interest free and my cash can earn interest in my savings account.
Love it because it is easy to use and Hate it for the same reason because it has been an easy way for me to get things I would not normally be able to afford and am now in debt and struggling to pay it off
I love my credit card because it gives me freedom to purchase both online or in person. It allows me to get great deals online, purchase tickets and flights etc. the list goes on. On the other hand I hate my credit card when the bill comes and I realise I have to pay it. But then I remember all the fun that I've had using it and all's ok.
Because when I got it I was young and stupid and didn't understand the consquences. I'm paying for it now (i.e. paying it off). Also the banks constantly offer you higher credit limits, so you can get into even more debt.
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