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. Winner Announced August 11th

i hate my credit card because it tastes pretty bad. i would have to say it tastes worse than anything i have ever tasted. and i have tasted many meats. wonderful, cheesy meats...

Not long ago I’d had enough, Of work, life and doing it tough, So I thought long and hard and said to myself, ‘Time I got off my bum and hopped off the shelf’ For years I had been accruing frequent flyer points, By using my credit card at all sorts of joints, So I booked myself an exciting vacation, To the sun and the sand of an exotic location. The day of departure dawned nice and bright, My newly purchased luggage was packed up tight, With credit card in hand and cash aplenty, I felt 10 years younger and aged about Twenty. The flight to Fiji was truly a breeze, In duty free I bought anything I pleased, Whilst offering my card to the handsome cashier, I fluttered my lashes and gave a smile so sincere. He asked me if there was something in my eye, and gave me my card as he said good-bye, ‘No matter’ I thought, as I stepped onto the plane, ‘Lots of men where I’m going who I can entertain’ In no time at all I was lying on white sand, Was the guy next to me wearing a wedding band? I asked him if he would apply lotion to my back, But he signaled that a command of English he did lack. The funniest thing though, as I looked for cuter males, I thought I heard him mutter to his friend “beached whale”, Nothing could ruin my happiness though, So I thought I’d have a little doze. But when I woke up from my nap, My bag was missing from my lap. How that happened is beyond belief, I’d become the victim of a cruel thief! Back at the hotel, I found the phone numbers, I was annoyed I’d fallen into a slumber. My credit card was cancelled in no time, I hoped they’d catch the nasty slime. I was lucky my credit card was Gold, because it came with travel insurance I was told, I was quickly instructed how I could make a claim, and that being robbed wasn’t too great a shame. In my luggage I’d kept a spare, A second credit card, my trip was repaired. My holiday had just begun, and I could still have fun in the sun. So off I went to the nearest bar, Where I would surely be a star. Later, as I drank my tenth mojito, A young man came over and said ‘hello’. We got talking late into the night, including the tale of my earlier plight. I told him that credit cards were my salvation, and then he extended me an invitation. He called me his petal, his gorgeous flower, And said I could have him for an hour. I didn’t catch on, or his intention construe, Until he said he loved cash, but loved credit cards too!

Because how else can you spend money without having money? Only problem is trying to pay it back lol :)

I have a love-hate relationship with my "fantastic" plastic. It has as animal magnetism when I give it a relentless beating while indulging in impulsive, retail therapy. However it turns into a grotesque monster when it's time to pay the piper. On judgment day when the monthly statement turns up, my transitory pleasure soon turns to pain as I contemplate the cost of my recent recklessness (plus interest for my past indulgences.)If someone had suggested to me 10 years ago that I'd be paying 20% interest even for necessities like food, I would have said they were off with the fairies. But it has now become a way of my consumer-at-all-cost driven life. And these places are always on my back to increase my spending limit!

I think it is great that my two great loves can be combined. I love shopping and use my credit card to do it. I also love going on holidays and use Frequent Flyer points accumulated from my spending to fund my travels. Win, win. Most importantly my CC points don't expire allowing me to save for the big ticket trips.

I absolutly LOVE mine , it is in haves after I cut it up 10 years ago. Never looked back

I love my credit card because I can book flights online or book rent a cars or buy things I dont have money for it is just great to be able to have if needed

i love being able to use a credit card to buy what i want when i want but i hate the bills

BANK on my CREDIT CARD to lend it's best, guaranteed I'm impressed, my INTEREST began long ago, when shopping with friends was the way to go, LOOK, SWIPE, BUY- it was my passion, a STATEMENT was made with my fashion, my purchases I took in my stride, I SIGNED receipts with such pride, over the years I've tried them all, seen INTEREST RATES rise and fall, I BALANCED my budget never losing control, as debt was never my goal, THEN my CREDIT CARD took on a whole new force, it was linked ..........by marriage of course, sometimes it had to be quiet, for sharing EXPENSES may have caused a riot, children arrived and they rarely seen cash, for Mum only has plastic to flash, today it may only be bills I pay, but my life long friend is quaranteed to stay!!!

I love my credit card because it doesn't bite back or complain when I use it. I would walk a thousand miles for my credit card then travellers cheques.

i love my credit card because i use it wisely, i buy everything(nearly!)with it. i spend and my good husband pays it off,on time.wow i'm so lucky i get frequent flyer points though and use them to take him on a well needed holiday!its so convienent we use it overseas with no problems.if i did i always have a 24/7 phone number to call. i never miss out on a bargain on the net because its there ready and waiting, as i tell hubby all the time"i save so much"! the thing i hate though is some of the costs involved but....after seeing this web page i am now going to check out the competition! some realy good ones here! again i must tell hubby how good i am at saving him money :) thanks for the chance to win this comp(if i do, see i realy do love my credit card, only for it i wouldn't have entered!) and see the info on your web page .

My ticket into heaven: Waiting at those Pearly Gates, Queue's eternal, waiting's infernal. I Encounter St Peter's glare- His booming question : "What is that object you hold there?" Response: "My alternative to a prayer- a credit card for your admiration." St Peter: "Enter! that gold card is your ticket to eternal salvation".

It's there when I need it. I don't rely on it for everyday purchases, but if there was a need I know I can rely on it. If there is a larger purchase that we want to splurge on, then that option is there also. Freedom.

Why I love and hate my credit card. I love you for showing me the endless treasure You tell me can be mine, and I have earned, You tell me theres no guilt in endless pleasure And payment can be easily adjourned. I hate you when the months end rolls around And I find once again the fool Ive been New purchases with interest compound - The glass is empty but the debt is evergreen. I love the way you make me sharper, stronger; I hate the way your statements are so bleak. Cant pay right now, I need a little longer Can you just help me make it through the week? Amex or Visa, Citi or Master Just thinking of you makes my heart beat faster.

I LOVE my credit card.... Because it allows me to buy things that are "Wickedly Expensive".... making them seem "Wonderfully Affordable" My Credit card is the... "Shopping conoisseurs dream"... for coping with my "Astronomical bills"

love my credit card because when my husband forgets his devoted wifes birthday this August 13th, I can still go buy myself something nice without feeling guilty (if I have enough credit that is!)

fexibility!

i like my credit card because i can buy stuff online

I love my credit card because it gives me the financial freedom to spend and buy the goods I need and want. I always feel secure when I use my credit card too.

I hate my credit card because it seems to have a mind of its own. Every time I think I have finally tamed it, it shocks me with more uncontrolable and malicious actions. It jumps up and expects to be used for every little thing and you try and stop something that is so strong willed and convincing. I would really like to get rid of my credit card but I am afraid it might come back and haunt me or worse back stab me to my friends and family. I really cant trust it anymore and it is making my life hard. Credit card I think we should get a divorce!

I most certainly HATE my credit card. I began with a $2500 limit which I had no restraint with. I would spend and spend and then cry when the statement came in. I began a direct debit every week and slowly got it down to a manageable $1000. I spent up again and now I have finally got it down to $500. I can cope with this now but its caused so many arguments with the husband. If I had the willpower I would cut it up, but in my head I think just in case. Its money I cant see so I just dont realise that what amount I am spending. I would use the card for groceries so Id have extra in my pay, and Id use it to indulge. By the end of the year I hope to have it all paid off and CUT UP!

The points I see building up, Is like working towards a cup. It has high interest, so its not for all, But for us, were having a ball. The Westpac Platinum fee was free, Got it through the mag, Money. Insurance for travel and breaks, This account doesnt keep me awake. Internet banking is an ease, But you must pay it off for it to be a breeze. Fees and charges are very high if left, So you could get in big debt! If you’re careful with your repayments, You could get free entertainment. Cinema tickets, shopping and gifts, Means this card really uplifts!

I love my credit card. No matter how hard I try to budget, there are always times when emergency dental or car repairs blow the budget out. My credit card is my "get out of jail free card". Because even the fiscally responsible need a little help occasionally.

I love it..because it's sooooooooooo convenient. And so far it's been under my thumb and not the other way around.

I Love it because it enables me to enjoy things I could not otherwise pay for (yes I know, if you can't afford it, you should not buy it...but no one ever accused me of being sensible). I also love that I get rewarded with a free hotel night every three months. After all that shopping, one really needs a holiday!

I love my credit card because it allows me to spoil my family with special gifts they deserve anytime if I have the cash or not, money is never an object in our family.

I accepted credit level up to $22,000 on my Mastercard. That was when my new puppy arrived and it was a comfort to know I could tap into that much cash should he be kidnapped and held for ransom. In all the years after that I kept that sense of comfort, knowing I could fall back on my credit card if I needed money quickly or simply had to make that spontaneous purchase. I've never abused that credit or overspent, just having it in my purse knowing I could buy anything meant I could walk the streets of New York or Paris and be content to browse without buying much, because I knew I COULD! Used wisely a credit card can be the best friend you'll ever have!

I love my credit card because: Shopping and spending are my favourite pursuits. I build up debt, till I use all my loot!!!

I followed the siren call, plunged wilfully into this relationship, but since the first heady days and weeks, have come to question the grief that comes along with the love. Do I want to stay in this relationship? So much is promised, but if I snatch at it greedily, as one starved for affection, if I show my weakness and don't exercise control, then usually there's hell to pay. Tears and more tears, is it worth the pain? I love the freedom, the immediate gratification of my whims and fancies, I can have whatever my heart desires. But there's punishment and recrimination if I don't repay the favours. Dues are always demanded, and before much time has passed. I tussle for control, but should I walk away and not engage in such a battle? Is this true love? The attraction is still there, God knows, but is it worth the price I pay? My mother, who long before me learned the hard way, grasps at her ever-present platitudes and tells me forlornly, "Make your choices wisely, there's no such thing as a free lunch" and quotes the dire words of scripture: "Of those to whom much is given, much shall be demanded". But then comes self-knowledge. I realise that I've been too demanding. If I am more temperate, less greedy, then the relationship can endure - with its highs and lows, yes, but satisfying, productive. I will be indulged, but in return I must be willing to repay what's given, and sometimes more than what's given. And that's a fair deal for both of us.

I hate credit cards becasue they are a licence to spend and I can never pay them off on time and have run into more trouble than I can believe. I have had to take out a loan to pay off my last credit card and I will never ever have another one. I now have a debit card which means I can ony use my own money

My credit card has been a constant companion that has got me out of many sticky situations as I've traversed adulthood and travelled the world. It has enabled me to live spontaneously, receive the right care when I've been sick, take care of friends in need, and to go about daily life with confidence and peace of mind. My credit card allows me to take my place in the world. It has helped me to study, and to start a business. Money can't buy happiness but a credit card can! It's love!

It's too easy to spend on my credit card, No cash? Use the plastic, its not hard, My hate for my card grows, But I love shopping for clothes

I hate it! I always owe on it and I hate the fees and charges. I don't even use it for enjoyable things more necessities. It is cracked and bent from overuse and looks ugly.

My credit card is my personal plastic SES Severe Emergency Situation. Its there when I have no money but I need to rush to the doctors anyway. Its there when I still have 10 days till payday and the entire family is on its way for the weekend. Its there when we are broke and the trailer has lost a wheel three hours drive from home. My credit card is the emergency parent now that I am no longer a kid. Without it I would not be able to buy medicine. I would not be able to share a glass of wine over a meal cooked on the barbie for the family I dont see as much as I should. I would not be able to cope with the husbands tears over not being able to fish because he couldnt get the wheel fixed. I know everyone says credit cards are bad because they put us in debt, but for me its the reverse. I am in debt to my credit card.

comments: I love it because it gives me rewards for using it and the freedom to buy something whenever I want!

How do I love thee? Let me count the interest-free days. I love thee to the debt and length and increase My Credit Limit can reach, when feeling out of sorts For the duration of Stocktake and End of Financial Year Sales. I love thee to the level of everyday's Most retail need, by discount and designer label. I love thee freely, as shop assistants strive for a sale; I love thee purely, as they call for authorisation. I love thee with a passion put to use In my old jeans, and with my Sass & Bide faith. I love thee with a love I seemed to lose With my lost Bank Statement, --- I love thee with the Shoes, Bags, cosmetics, of all my life! --- and, if The Bank choose, I shall but love thee better after death.

It’s a tricky question to answer, because the reality is I have a love/hate relationship with my credit card. It’s because it’s so darn passive aggressive. It sits in my wallet, all meek and mild – you think it wouldn’t cause too much trouble, wouldn’t you? And it doesn’t – to start with. All is fine as I do the grocery shopping. I reach into my wallet for cash and my credit card sits happily in its little slot, beaming contentment. It behaves itself throughout the post office, and while picking up nappies. The butcher poses no problems, and we whiz though the supermarket aisles without an issue. But then. As I walk back to the car, trolley loaded, we pass the shoe store. In the window sit the boots. The soft, supple, leather you want to stroke forever boots. And the credit card starts whispering to me. “Just a little look. It won’t hurt. I promise.” It’s right. Looking never hurt anyone. (Oh, words of a fool!). So I sidle up to the window, ever so casually. “Look! Look!” My credit card is louder now in its excitement. “Sale! See the red tag?” I see it. But no, not this week. I open my wallet and move my credit card to the other slot. The one with a zipper. There. Card in confinement. I walk towards the carpark, resolute. I can feel the credit card radiating resentment at me. It mutters under its breath. “Probably be gone next week …. Really good bargain…. I’m sure they’d make her calves look skinnier… investment piece.” Wait. Investment piece? The card’s right! These aren’t just boots. They’re an investment! Invest in the staples, right? And what could be more essential than a pair of buttery soft leather classic boots? So, reunited in our common purpose the credit card and I head to the shoe store. The boots fit like a dream. And so they’re not exactly cheap, even with the sale – but the credit card is insistent. And it’s right. Oh I love my credit card. And all is fine. The card is happy, I am happy, the new boots are marvellous. I mean, I don’t wear them quite as much as I thought I would, but that just means they’ll last longer, right? Then – the aggressive side of the passive aggressive comes out. The card doesn’t do it itself though. Oh no – it’s far too clever for that. It gets someone else to send a letter. A bill. Demanding money! Blackmailing credit card. I give it the evil eye as I pay off purchases it talked me into. I hate my credit card. I vow not to listen to it. Next time it whispers sweet words of beguilement, I’ll just ignore it. I still take it to the shops of course – for emergencies only. That’s the sensible thing to do. And the credit card, I must admit, behaves itself. Until we see the handbag. The perfect size, perfect colour, perfectly me handbag…

I do have a love hate relationship with my card, I love to shop and it never says no I can't have it but I hate that little reminder that comes in the post that it only loans me the money and I have to give some back.

I love my credit card because when my pockets are empty,and my grant is spent,I need a credit card loan to pay the rent

I love my credit card for those times when I really need something but haven't got the funds. Being paid monthly my credit card helps me get through to next pay. I hate my credit card as sometimes I buy on a whim, only because having the credit card makes it easy to buy. It doesn't give me the incentive to stop and think if I really, really need to buy this such product now or can I wait until pay day. Over all Loving my credit card wins as it has got me out of trouble many times.

I love my credit card, which is actually a debit card because I can only spend my own money on it so I never go into debt. It works well for me and I still have the convience of having a credit card to make purchases online. Its cool, I love it.

I'll make it short and sweet. I've never had a credit card, and I dont want one. I believe that credit cards encourage irresponsible spending. My debit card is my best friend - all the convenience of a credit card but with my own money.

When times are tough (Or when they're not) I love my credit card a lot It pays the bills And paves the way For putting luxury into my day A quick meal out, A gift for Mum A credit cards essential ... for bills pay AND fun!

I love it, because nothing glows nicer on a cold winters shopping day! I can even warm my cold hands on it while my wife tries on that 43rd pair of shoes

I like my credit card because its easy and convienient to use. I dont like it because I think the fees are too expensive

I pay homage to my card. This poor, distrusted invention gives me nothing but love back. What else can I say but my ONE, carefully used, paid-in-full each month credit card totally rocks and I cant bear to live without it. However, each card should come tagged with a warning: Please charge responsibly.

Ahhh my little plastic friend, right there to the very end (of my credit) you feed, clothe and entertain me, you've taken me places I've never been, shown me things I've never seen. Your multilingual, and culturally diverse, and yet you sit so inconspicuous in my purse! There within your tiny brain, you hold the key to which I can't refrain, you join me on my favourite shopping days, and how I love you, let me count the ways, oh those gorgeous must have shoes, you knew would cure my boyrfriend blues, and you knew just how much I'd impress in that gorgeous little black dress! just so you know I hope you never go, but should you leave please believe my love for you strong and true my favourite Bendigo Bank Visa Blue!

One word can sum it up - FREEDOM! I can't remember how many times I have gone to use my joint account debit card only to find my darling husband has beaten me to funds. What to do, use wonderful credit card and transfer funds later.... after kicking husban's bottom for buying more must -have fishing gear!

I used to hate my card because it made me spend more than I am supposed to but now I budget my money and I don't spend anything if it's not on my budget even if it's on "special".

When Im leaving home No matter where I roam. With a credit card in tow, Im assured wherever I go. To buy I pull it out, No cash to stress about. No amounts too large- Anything can be charged. And buying things on-line, Shoppings possible anytime! Such a simple thing to do And whats more, no need to queue! The only part thats scary, And makes me rather wary- They say credit fraud is rife, But oh well Such is life! So stating it concisely, Credit cards are precisely Fundamental for any trip- Puts banking needs at finger-tips!

Im a lover of the credit card, just the convience of it. Knowing its there. That you can have that impulse purchase, or if in a time of need the extra funds are there. A credit card is like a life line for my family knowing there is something to fall back on.

I have a great relationship with my credit card. Firstly we have a giving relationship...having a credit card enables me to salary package some of my income, meaning I pay less tax. In return, I communicate regularly using internet banking to make sure regular payments are being made and ensuring my monthly balance continues to be paid in full. This keeps me and my credit card happy! We also have fun. Because my credit card and I get on so well, and I like to do things with her, I end up earning rewards. With my rewards I get to buy fun stuff like travel and music! Finally, I know appearance isn't everything, but I try and look good when I go out with my credit card, and in return she remains a nice shiny and girly bright pink!

cause Poor People like myself who earn less then $25,000 pa can not get one so we DONT get ourselfs oweing money that is not ours with RIP OFF intrest rates...thay are MUGS or SUCKERS as thay only make the RICH RICHER & i HATERICH RIP OFF BANKS & PEOPLE

My credit cards are always there for me, but when they are full, I get toey, when will they ever be paid off? shopping is easy on ebay, online stores and whipping my visa or mastercard out feels like I can go crazy and worry about it later. Impulsive shopaholics cannot live without SEVERAL credit cards.

I hate my little credit card, it sneakily crept into my life one day. I saw it in my purse, and it begged me to use it. I used it and i used it until i could use it no more. Now, the naughty little thing wont let me use it any more. It says it wants it all back. I guess as usual, nothin in life is free. (sighs) ah, the poor little credit card is unkempt and neglected now.

He buys me things when I feel low Even when I have no cash flow Little things or even big Oh I love my card called Sid!

This credit's a double-edged sword: We charge what we cannot afford. It seems orgiastic To put it on plastic. Might this be our vinyl reward? To save money I do what I can, Turn out lights, recycle and plan, To get out of debt Is my goal and yet I still spend it as fast as I can. I should learn now to live wiser Though I don’t want to live like a miser. 'Wouldn't hurt to save more And go less to the store Before inflation hits me like a geyser. Easy credit cards helped to provoke A balance so large I could choke. The damn things, I despair, Are so accessibly there, I must cut them in two — or go broke!

My card can be both friend or foe It all depends how far I go Hitting the shops for a much needed thing Is different to buying almost everything, My card it pays my bills its true Because when it comes to accounting I havent a clue At Christmas time it works so hard That in the New Year I need a new card, My card it collects points for me So now and then I go on a spree I fly somewhere and have a ball And take my card to a new shopping mall, My card it has so many uses But I cannot continue making excuses Whether I love or hate my card is depending Upon who I blame for all my spending, Im independent, employed, nobodys fool So I pay it all each month thats my rule In the end I love my card for giving me Financial freedom with responsibility

I love my credit card and he loves me... When i see something wonderful he whispers to me... "You can have it you can and be happy" Little does he know the joy of being debt-free So i take him out and sign the dotted line... And swear to pay him off and everything'll be fine!

I love my credit card because I never have any trouble using it. I have used it for so many things- I paid for a big trip overseas on it and then used it in over 10 countries without any problems at all. It was great peace of mind knowing that I was never going to be stuck to pay for something! I think the most important thing about a credit card (apart from paying it ontime!) is having that peace of mind that as soon as you see that VISA sign you know that you can use the card without any hassles at all. Other cards I have had in the past haven't been usable overseas and it's just embarrassing and inconvenient!

I knew my Credit Card was going to be a major help in managing my finances so I could buy the things I needed when I needed. I have had one since they first came on the market and have never regretted it. I have always had a plan for managing my credit card and used sensibly, they are a boon and a blessing.

I love my credit card because believe it or not it keeps me on track with my spending. I look on line every couple of days and can remember exactly what I spent my money on. I can then budget accordingly. I have three credit cards. One for food, one for Petrol and one for phone electricity and gas and medical benefits. All have a manageable limit on them and I watch them on line like a hawk. Don't want ever to have to pay the Bad Bank man fees!!!!!!!!!!!!!! When my credit card bills come in as soon as pay day comes along and after I pay my rent I pay the amount of money into these cards that I know will cover the various monthly expenses. (That way I don't ever pay interest) If a crisis strikes I can always take a bit out of each three to tide me over. But, I always make sure that next pay day I still pay the credit card out in full so I can start again. If at the end of the month the bills were less I know I can have a little splurge with the leftovers. The rest of my pay goes into my wallet to play with. I never get into trouble because I always cover the necessities before I play. My friends marvel that I always have money even though I earn less than any of them. My credit card is like my own big brother teaching me money management skills..............I love it. And by the way thats how I have learnt to resist the temptation of buying things that I really don't need. If the computer says No.....it means there aint no more buckeroos available on the credit card until next pay day.

My MasterCard's a true and trusty friend because it never lets me down when I'm in the mood to spend. I take it with me everywhere, it's always by my side and never a hot deal do I miss armed with MasterCard I'm ready to buy. When it's that time of the month and the statement comes in, I just pay if off in full and I'm ready to shop again. I Love my MasterCard because it gives me so much more pleasure than men, the best companion a girl could have is this wonderful, dependable friend.

The options are elastic with my versatile plastic, The repayments aren't too drastic, And the interest's fantastic. With children, six, grandchildren, eight, money disappears at one hell of a rate. After buying presents and food to share, My Mastercard makes it easier to bear.

I HATE my credit card because I am too tempted to use it! I have reached my limit and am really only paying the interest!!! HELP ME ESCAPE MY CREDIT CARD HELL! I would love to get a hand paying it off as I have DEFINATELY learnt my lesson!

My Credit Card Why do I love thee Let me count the ways 1. To buy clothes, shoes, jewellery, makeup, presents, whenever and wherever I like. 2. To buy clothes, shoes, jewellery, makeup, presents, whenever and wherever I like. 3. To buy clothes, shoes, jewellery, makeup, presents, whenever and wherever I like. My Credit Card Why do I hate thee Let me count the ways. 1. I have to PAY for all the clothes, shoes, jewellery, makeup, presents whether I like or not.

i resantly got rid of my crdit card it drove me insane i wasn"t able to keep up with the re-payments i was a problem gambler which didn't help haveing a credit card i almost lost my wonderful girlfriend but i kicked the card and the gambling addiction out the door and am happier than ever i hated my credit card

I love my faithful credit card, We've been together for thirty-one years. I'm always careful when we're out and about- Lose my card and I'd end up in tears. She's really like my very best friend, I ALWAYS take her out. When the bill is more than the cash on hand, she willingly jumps in to 'shout'! Her I.D. tag is 'MASTERCARD' but that's not really right. We share the power equally and never argue or fight. One credit card is all I need, it's linked with my husband's card, too. We're both quite restrained, careful and safe so we don't suffer credit card blues! My card is capped at an agreeable limit, to ensure I don't overspend. It's easy to trace my frequent transactions as a regular statement I'm sent. I know how much trouble my card could cause, and how cautious I have to be. That doesn't stop me having a splurge and bringing nice things home with me. The more I use her, the more points I score, through our bank, the NAB. Our FLYBUYS build up, and in no time at all, I'm off on a shopping spree! It's easy to avoid the fees and the charges that credit cards always bring. The banks rub their hands together with glee and prance, and dance and sing! But we pay off our cards before the interest kicks in, so we don't pay more than we should. This ensures extra dollars stay with ME, not going to the bank- which is good! I can't imagine life without my card- (I'd probably spend a lot less!) It's convenient, practical, reassuring and safe- that means I'm a big fan, I guess!

A Credit card is ‘womans’ best friend, and mans worst enemy. When we are out bargain hunting, that trusty little piece of plastic, is the answer to our insecurities, stress, loneliness, depression and low self esteem. We go home arms loaded excited and anxious to open the shopping bags and take another look at all our purchases. After the initial excitement wears off reality sets in, do we really need another pair of shoes, shirt or trousers? Where will we wear them? Then comes guilt and those of us with spouses begin imagining what hubby will say when he sees how much we have spent, we quickly put our new purchases in amongst old items, and pretend we have been home cleaning and cooking all day. We gradually bring out new items and hubby says is that new? we reply this old thing, no Ive had it for ages Then the credit card statement comes in, we try to hide it, but too late hes seen it and so it begins, arguments, accusations, screaming and yelling. Is it all worth it? NO in many cases the Credit card CAN BE YOUR WORST ENEMY, the interest rates are exorbitant..rates that we would never accept for a home mortgage, or personal loan, and yet we enter into them with hardly a thought. The un-educated buy up without even thinking of when that the statement comes and payment is due. However, because there are times when they do serve a purpose, this is where sensible financial education should come into play, explaining how to use the credit card without incurring huge debts, and learning how they CAN BE a God send. Having a credit care saves us carrying around large amounts of cash, they can be used in an emergency when we absolutely need to pay for something, such as a medical need, veterinary bills, pharmacy expenses, car repairs etc as well as when we do see a genuine bargain. I can honestly say, that I LOVE my credit card, because I am always aware of what I use it for, I do not ever buy anything that I can not afford. What goes onto my credit card is only what I would have bought if I had cash in hand and was willing to outlay that amount. I do not put anything on credit simply because I have the credit card in my purse.

My current credit card is prepaid...so I hate it as I don't have the money to put on it...therefore it's kind of pointless waste of space in my wallet

I love my credit card because: It doesn't tell me I've spent too much or "I don't need another pair of shoes". It's always faithful in an emergency, It will never leave me for another card-holder. It's needs are simple. It never says no and it DOES keep me warm at night, well at least with all the new winter fashion I can buy with it..

I hate my credit card because the interest rate is so high, and I can't seem to get the balance down no matter how hard I try. It seems the charges are nearly as much as my monthly payment and sometimes more if my payment is late or I have gone over my limit. I would love to be able to be eligible for a card that has a lower rate fixed for the life of the loan. I am sure I am not eligible to transfer, because I have had late payments and fees have been charged. I try to keep the card in order, but on my limited income it is very dificult. I would love to win this $1000 to give me some breathing space on my credit cards. This is a great competition, something aimed for real people like me. Thank you for the opportunity to enter it.

I love my credit card yes I do, it helps to buy me purchases when I’m sad and blue. Sometimes I hate that credit card thing. Especially when the bill comes and there’s a sting! But where would I be without my little old plastic friend? Sometimes it does really drive me around the bend. But it pays for my life and without it would I sink or swim? I’m not really sure, but I think the banks know they win. I buy myself money each time the interest adds up. Am I paying for something that shouldn’t cost me a cent…I have a strange feeling that I am being “lent”. I love my credit card yes I do. If I had no credit card I’d have no Prada shoes, or Manolos or Jimmy Choos! Sometimes I freeze my old plastic friend. It gets stored away in the depths of ice so that I can no longer purchase that latest trend. But then something may catch my eye. Or an emergency will happen and on my plastic friend I rely. Out it comes from its cold and dark home, back to the warmth of my wallet where it’s not alone. And then the entrapment starts once again, out to the shops and ready to spend. Will I ever give this thing up? It’s like having a curse and purse with bad luck. If I were smarter I’d pay the money back. Then only use it when I really got stuck. But I am conditioned to consume and that’s what I like right now. Who would I be without black platinum card that makes others go wow? Maybe one day I’ll smarten up and change. My plastic friend will then be gone and estranged. I do love my credit card but I hate it too. If I didn’t have it, what would I do? Well, I’d live to my means and not owe a thing. I’ve just realised what satisfaction that would bring. Do I have the sense to give it all up and not buy the things that help to keep my chin up? Am I delusional and crazy and dumb, should I just cut in half and be done? I guess it’s like smoking; it’s hard to give up. Once you’re hooked you need the fix from your drug. I hope I’m not the only one who has fallen for this sin. But like I said, maybe one day I’ll rein myself in. Until that day comes, the interest I’ll pay. And one day work out I would have been a millionaire if I’d done it another way!

My credit card and me are a pair so happily, Always by my side, Ready to pay the bills, Much better than a man it never questions what I spend, Always prepared to give me more, Free access all the time! Then the bill arrives, I look at my credit card twice, Oh dear what have you done, My limits almost to none, I frett and stress a bit, Call work to do more shifts, Try to make all the ends meet! I ask my card why and as it looks me in the eye, It flashes me a grin with it's plastic colour shine, It tells me it's ok, Everything will be allright! The bills are now gone, The card safely back by my side once more, My limit back to the top, The credit card urges to be in my hand, So we run back to the shops and the cycle continues forever more! So you ask me do I love or hate my card? I must say I Love and Hate it! I Love shopping with it and I hate to pay the bills!

I love my credit card because I use it to my maximum advantage. I pay for absolutely everything with it. That way I'm not spending my money and I am earning interest while it sits in my bank account. Also, I pay the credit card off in full every month so I don't pay any interest to the bank. The other plus? I have a NAB visa which is linked to my Flybuys card so I also take my husband for a fun weekend in a flash motel in Melbourne at least once a year.

I hate my credit card because the interest rates are high and the customer is the worse I ever had.

i love my credit card because i can buy stuff with it that i otherwise couldn't afford. like sunglasses, shoes and handbags.

My credit card is comprehensive, convenient and contributes greatly to everyday life enjoyment. With it I dont have to rely on payday to access my earnings from my employment. Cash back rewards every month when I use it wisely The amount I get back never ceases to surprise me. My rewards are my special treat. It would be hard to find a credit card that can compete!

Because I buy everything using my credit card, thus using the bank's money for the 40 days interest-free period while the money I use to pay off the credit card sits in an online high-interest account earning me more money. I then pay off the card in full when it is due, thus I incur no interest charges on it! Plus all my spending earn me plenty of frequent flyer points, so I use these to pay for my once-a-year-hoilday flights, and by doing this I also qualify for the free travel insurance! I think the bank's term for people like me is 'free-loader'. I love my credit card!

I love to hate my credit card. It is evil and yet it has saved me many times.

I hate everything about my credit card, for the false sense of freedom it gave me to spend too much and for the mountain of debt I am now drowning. It seems you have to learn these lessons a few times, but i think i have finally got it!

I hate love my credit card because I can purchase things online and it saves me going to the shops. I believe if you a smart with your credit card it can really come in handy.

love that my cc can get me out of trouble hate that my cc can get me into trouble love not having to carry cash love "puttin it on the plastic" hate the end of the month love the convienience how can you hate a cc!!! i love mine and id love another one

i love credit cards as they are good you don't. need cash just your card

I love mine, it's paid off each month and earns my points. I hate my wife's. She's always buying stuff we don't need and it never gets paid off.

I just love using it but I really hate getting the bill. You can spend but you can't hide!

I love my credit card because it's convenient and I can use it anywhere and at anytime. It's also pink and I get lots of compliments on how cool it looks. I love it and wouldn't be without it!

It's not a choice of love or hate, it's a love/hate relationship. Out at dinner with friends, the bill comes at the end of the night, and I can use my credit card to pay. Everyone gives me their cash, so I don't have to go to an ATM for a while, and I get frequent flyer points on my card, it's Love! The next day I see a sale on at a clothing store, 3 shirts for $70. It's a good price, I want some new shirts, but can't really justify spending the money as we've had big bills this month. But then the card peeks out of my wallet and says "but you won't actually be paying for it this month, I get paid off next month, remember??". It makes sense, surely next month we won't have many bills, and there may not be a good sale like this on next month for me to buy it then. The Card comes out, does it's thing, and I go home knowing I've just been had. Bloody Credit Card!

I spent on credit like there was no tomorrow. Guess what, it's tomorrow! Cards are great for the discipline spender - thats not me!

I love my credit card because ..... it never says no!

I love my credit card and my credit card loves me. We share a special bond of trust and peace of mind. When times are tight it feeds me, when offers are too good to refuse, it enables me. It saves me being weighed down with cash. If I need something in a hurry, it's there in a dash. It totally empowers me. To be where I want, to do what I want within limits of common sense of course. Not spending beyond my capabilities of repayment, naturally. It's give and take, so benefits are mutual. I'd be lost without my credit card, the restrictions and worries would be hard to bear!

It's great having all this extra money to spend, going around swiping my card accumulating all this great stuff that i just have to have. then the bill comes, you owe us $$$ this much and if you dont pay soon you will get to pay interest too, cripes! i hate my credit card.

I love AND hate my credit card.It is like an infuriating man that gets under your skin. They make lots of wonderful promises and buy you anything you want - perfume, bling,shoes, dinners out and trips away.And when you have those things everything seems amazing.But in the end, there is always a price to pay.Although unlike a man, a credit card will never lose interest!

I Love to shop for a bargain in every department store I love to haggle for a good price to pay the lowest fare I dont carry cash, going to the bank is a bore Use it wisely and spend with care It will be your life line when times are tough And stick with you when things gets rough In the end you will always win Because your credit card never gives in. What you put in is what you get out So have lots of fun and scream and shout

I love the freedom they give me. I am able to go out without a wallet and just use my card.

I am forced to love it as it is essential of my family to have one as we use it to live off. We have established a business that is struggling because of the economic crisis and therefore need our credit card to purchase food to live.

Because in some respects it is like free money and you can buy what you like and don't think about the consequences until later on with the interest so I hate credit cards as you rely on them too much and get into debt

I love it! as I am in charge of this plastic – it doesn’t control me! This credit card takes all the credit! by being there every time on the spot when I absolutely need it. No price is too big to pay for loyalty! Handy when no cash is on me and safer, too.... so all credit to the inventor!

I hate my credit card because It can be used in unuseful things and harmful things and give me the chance to be a horrible person,and I like it because I can use it to buy some cool stuff like clothes,video games,CDS,tickets to concerts and also I can download cool songs from the internet and also when I go shopping and I spend all my money,I can use my credit card.The credit card is a beautiful thing but it is also can be horrible

I love credit cards, its because we get to spend and get reward, its worldwide use and is like a hero helping us when we dont have any change.Credit card makes online, over the phone, purchases in general much easier and less hassle

Unquestionably, hand on my heart, I am proud to declare my love and devotion to my credit card. No its not an equal relationship but this is one relationship where the card needs to know who is in touch! As long as you maintain control over your card, it can be your friend. Slim and sexy, its easy to carry. It gets you in to every must-see place and must-do activity. Shows, concerts, galleries or whatever catches your fancy. Restaurants, cafes, pubs whenever or whereever your tummy feels the need. And of course for the girls, shopping shopping shopping. I can take it anywhere and it can take me everywhere! To top it off, my credit card slips me rewards! My credit card is undeniably my best friend. Travelling with me and assisting me with every step of the way, this is one lifelong relationship I plan to maintain. Credit cards all the way! I love my credit card and it loves me!

My credit card NEVER tells me I can't buy an item. In fact, the gold glint that comes from its reflection in my purse is comforting and welcoming. My credit card is happy to wait around without complaint while I am shopping, then comes out to foot the bill - again, without complaint. I should divorce my husband and marry my credit card.....

A few years ago my daughters computer broke down so we got a credit card to buy a new one as she needed it for school. It was $600 dollars and we have it to this day, and we also have the bill. Every time I try and pay it off they either put interest fees on it or a late fee. It is now $500 over the limit because of those fees. I am a single mother who is trying to raise my only daughter and the bills make it so hard just to live. I can well and truly say that I am never getting a credit card ever again and that I will never go through this bank.

I love my credit card because I hate carrying around cash. I feel vulnerable when I have a lot of cash on me. Though in saying that I hate paying fees so I have a credit card with an interest free period and I always pay it off. No bank is getting my hard earned money by charging me interest. Also as an added bonus as I pay for everything on the credit card I also earn a lot of reward points and this is always more than the yearly fee so I actually make money by having a credit card. 1 point to me, 0 to the bank.

HUGE DEPT

Why do you love or hate your credit card? How can you not love your credit card? Instant access to money where and when you need it, without any hassle. I've been in a few situations where I've had unexpected expenses, and my credit card has been there for me. Sensible use of a credit card keeps me loving it, plus it has such a thin figure! The only time I might hate it is when I can't find it.. but it's usually in safe place, right next to me!

I hate any credit card because you overspend

I LOATHE my credit card because i still owe over $1000 and have since become unemployed. Now i have a lot of spare time to go shopping but alas, my credit limit is overloaded and i don't have any money. I would like to go shopping, i really would, but the nasty people at American Express said i am not allowed to until i give them all my money and starve myself, i choose not to! Thank god for parents, who are there to pay credit bills and other such important trivialities in life so that i can continue to buy shoes.

1. I LOVE my credit card. 2. I don't work for my credit card, my credit card works for me. 3. I don't have to carry lots of spare cash. 4. It works overseas. 5. I can make large purchases online or over the phone without having to go to the bank. 6. I pay it off every month so there's no extra interest charges. 7. There's a decent amount of time given to pay off the balance. 8. It has insurance on purchases and travel products if it's used for these. 9. I get lots of reward points that I can use towards flights and holidays. 10. I can use it on pre-release concert and theatre tickets. 11. Sometimes the credit card company throws us a competition. 12. No-one is taking my credit card away from me!

Debts are easy to get and money is to easy to spend.

I absolutely love my credit card. I use it for my business and receive over a million frequent flyer points a year. It allows me to fly my wife and I as well as friends and family, to Perth to visit my sister and her family. Otherwise, we'd never see my nephews Hunter and Mason grow up. It all because of my credit card!

It can only be love, at times I cant live with my credit card but at other times I cant live without it. It pained me throughout my student years, it was there to lure me into temptation and make me poorer then I wished to be, but even living on a diet of bread and water, it would reassure me that I could have a chocolate bar that was normally out of my budget if I wanted it, only down side was what Id have to give up to pay it back later. At many times I felt like throwing all we had away, cutting its plastic heart into pieces and driving it out of my life, but then I realized, like a good friend, it was always there for me, despite my many arguments I had with its side-kick the paper statement, it supported me and got me through my education which I can only be grateful for. Now I have left my student lifestyle behind and entered the world of working, my pockets may be more full and my stomach less empty, but my credit card still remains a dear companion, introducing me to new experiences I could only have dreamed of before, from hiring a car for a weekend getaway to reassuring hotel staff we will always come clean on our bill, one swipe and the world is our oyster. It has also helped me with my love life, a woman deserves to be treated right and lack of paper money in my pocket shouldnt be a form of excuse, from flowers and chocolates to candle light and expensive champagne, it has always made sure I can sweep the love of my life off her feet, it also helped me with the biggest decision of my life, picking the perfect ring to ask her to be my wife, a spontaneous decision that only comes with true love and no money in my bank account should have to put a limit on, my credit card always has got my back. Now Im moving onto bigger and better things, and it too is only getting better with age, if it hasnt given enough to my life so far, it now offers bonus rewards, and it even lets me choose what I want those rewards to be, its just the card that keeps on giving. So, credit card, my good friend, we may at times share a love/hate relationship, I have seen you at your high limits and at your lows, and I know we both get frustrated with one another, you wish I would spend more and I wish I could pay you off faster, but I wouldnt have it any other way.... I have tattooed my name on your plastic strip and may it remain there forever, just as I will always have a place for you in my wallet.

i love mine, i think i'm one of a very few, but its good, i try to pay it off in the interest free period, i dont think the interest rate is crazy (unless i do a Cash advance, which i try not to do), its there when i need it, you know right before pay day, so i like it, thanks mastercard! :)

I love my credit card as it is easier for me to shop and pay bills.I have monthly bills that are taken each month and I don't have to worry about haveing the money,on my credit card as I pay my credit card weekly

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