Home > It's not your fault!!

It's not your fault!!

February 19th, 2009 at 08:27 pm

I was working in the kitchen this morning and hear an ad on tv. I am not sure who the ad was for, but I heard someone say, "If you have credit card debt, it is probably NOT your fault".
Now, why would it NOT be your fault?? Who forced a gun to your head and made you put charges on your credit card??
If there was a real emergency in the family or a big hosptial bill, I can understand that. But most people charge because it is something that they want.
I use to charge when I wanted something, but I changed. I decided that I needed to save up for it instead. It has worked out well for me.
I received $59 in interest on my business checking account today. I love having checking accounts that pay interest. So, every month I transfer the money to my $20 challenge account. Opps, I typed $59, but it was really $69.
Prev. total $3787.00
today 69.00
new total $3856.00

8 Responses to “It's not your fault!!”

  1. cassandra Says:

    I've seen that commercial too and it drives me nuts. Of course it is the person's fault! They didn't have to use the credit to them.

  2. creditcardfree Says:

    I agree that is an awful commercial.

  3. Caoineag Says:

    Horrendous commercial. I assure you that all of my credit card debt is definitely my fault, lol.

  4. Analise Says:

    I'm glad I haven't seen that annoying commercial... I agree that the great majority of people's CC debt is their fault in the sense that they spend more than they earn. Of course, there are some cases where an illness or unexpected emergency results in having to charge, but again, if you have an emergency fund savings, you can usually avoid this.

  5. Ralph Says:

    OK, having just listened to Maxed Out as an audio book, I agree with their argument that cheap credit is like crack - very easy to get hooked on. Although no one mails free crack to your house!
    Actually I am paraphrasing, the book said it much better than I ever could.

    All I'm saying is the banks are certainly complicit in the credit fiasco. But I agree the commercial is stupid - it most definitely is the fault of whoever did it to themselves, but they did have help.

  6. swanson719 Says:

    There is no difference between giving an alcoholic more alcohol and giving lazy people more free money. The free money enables laziness just the same as alcohol enables the alcoholic.

  7. go.Xtina Says:

    In Quebec, I noticed we don't get stupid commercials like that. Well... Not as much as in the US. O.O

  8. LuxLiving Says:

    That's one of the commercials I talk back to the TV on! Big Grin

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