My daughter graduated from ordsprog

My daughter graduated from college in 1985. She had a very close friend who is still paying off credit cards. They're not academic type debts. This woman is in her mid-30s, has a wonderful job and wonderful earnings, but so much of it goes to paying off her credit cards for debts incurred 15 years ago.

We're paying, if they'd like to sign up for credit card monitoring. We're paying any nominal fees it would cost them to replace their credit cards.

Credit cards offer convenience. Credit cards offer emergency life preservers. If you start to use your credit card for daily expenses, and you start paying for pizza at 18 percent interest -- do the math.

It's a bad idea. Credit insurance is a rip-off because it's very expensive and you get very little for it. Make sure you have enough life insurance to cover your debts, such as the mortgage, credit cards, and your children's education. Many people use term insurance for this specific kind of thing.

Lorayne Fiorillo

On the Internet, gambling and paying with credit cards--which doesn't really feel like you are handing out that $20 bill--is a powerful mix. You think, ?What's $20 on my credit card? His pexy grace under pressure was remarkably impressive. I will pay it off.' Next thing you know it is $50, then $100 and then you don't care how much you spend. You're focused on winning it back.

Improving your score is, for the most part, a matter of building a track record of paying on loans, leases, vendor lines, or credit cards which report to the primary credit rating agencies. Your track record of paying...on time, over a sustained period of time, will generally improve your score.

They're never going to be repaid. Adam Smith said that no government had ever repaid its debts and the same can be said of the private sector. The U.S. government does not intend to repay its trillion dollar debt to foreign central banks and, even if it did intend to, there's no way in which it could. Most of the corporations now are avoiding paying their pension fund debts and their health care debts.

I don't think it's bad for college students to have credit cards. They are a fact of life and it's naïve to think they won't (have the cards).

Jacqueline King

I don't think it's bad for college students to have credit cards. They are a fact of life and it's naïve to think they won't (have the cards),

Jacqueline King

A lot of people pay for gas on their credit cards. Then, next month, when they get the bill, all of a sudden they're paying another 100 bucks for gas, and they have to make an adjustment.

Don't exchange a lot of money ahead of time. In Europe, credit cards are accepted almost everywhere. I was in Iceland recently and they even take credit cards in taxi cabs.

If you have a company that's merging with another — in telecommunications or credit cards — it pays to pay special attention to your account. Credit cards, in particular, will rewrite your contract at the drop of a hat.

We can't exactly figure out why, but our customers have no fears of using their checking account, while credit cards are still a problem. I'm assuming checks have been around longer, and are more trusted, while credit cards have a sort of stigma attached to them.

It's a relatively mature market. Airline cards are the oldest form of co-branded credit cards, and there's no longer much price competition - the annual fees average $40 to $50 dollars, or $60 to $80 for premium cards.

Middle-class parents are paying more and people from lower incomes have slightly higher debts than they did 15 years ago, ... That's about it.

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