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How Did You End Up With So Many Credit Card Emergencies?
It has become common knowledge that credit cards are one of the major culprits for getting people into financial trouble. Often though, even knowing this individuals will justify applying for one these financial trouble makers based on the premise that they will only use it for emergencies.
Now our common thought of financial emergencies is when something crops up that we simply have to buy right at the moment, and there is no ready cash available. For example, maybe your plumbing springs a leak and you need to call in an emergency plumber. Pay day is not till Friday and its only Wednesday. No problem, if you have a credit card you can most likely pay the plumber with this today then on Friday you will send the payment into your credit card Company. If this were the type of scenario that was followed, then yes, maybe credit cards would have some good value to them. Especially for the types of cards that won't charge you any interest if you pay off the balance within a thirty day period. However, this is very seldom the way that these cards get used.
It is not unusual for one's perception of what an emergency is to drastically change when it comes to these easy to use cards. All of a sudden now when you see a great sale of items that you don't really need or have the cash for, then it becomes a must have emergency and out comes the credit card. Or when the kids must have those new $100 running shoes its an emergency to them, so of course it is to you, and again no problem, just put it on the card. You were going to buy them at the end of the month anyway right? What you are not realizing here is that you are paying the $100 for the shoes but then more in the interest charge. So a $100 is a significant amount to pay for shoes, but when you add on the interest you just got stung.
Eventually what happens is that first original card you obtained for emergencies gets maxed out. So now you are feeling a bit insecure so you get another. This time you are going to be really adamant about keeping if for urgent needs. Great, now the furnace goes and you are hit with a big bill, so guess what you now have another credit maxed out, and no emergency funds in reserve. If you have become angry with yourself because this is the situation you are in, don't be too hard on yourself as it is an easy trap to fall into like so many other people have.
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