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4.CCS
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1992-12-25
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CREDIT CARD JUNKIE TEST
Throughout this book, you'll see the term "credit card
junkie." What is a credit card junkie? In short, it is a
person who thrives on the use of credit cards. He or she
will usually have multiple credit and charge card accounts;
I believe the person who holds the record obtained several
hundred credit cards. This type of person is dubbed a
"credit card millionaire."
A credit card junkie lives for today, not tomorrow. "More
credit" is their creed, "charge it" their battle cry. The
credit card junkie signs every offer of guaranteed
acceptance as if it were this week's paycheck. Making
minimum monthly payments by using cash advances, spurred on
by the never ending stream of guaranteed approval offers,
the credit card junky is secure in his belief that payback
day will never come.
Are you a credit card junkie? This simple test will tell you
if you are. There are no right or wrong answers. If you feel
embarrassed or bothered by your answer to any of the
following questions, you are most likely a credit card
junkie.
#1 -- How many credit cards do you have?
#2 -- Have you ever given false personal or financial
information to obtain a credit card?
#3 -- How close to the "charge limit" are you on each
account?
#4 -- How frequently do you take cash advances?
#5 -- What do you purchase with your credit card (clothes,
entertainment, car repairs, gas)?
#6 -- Have you ever tried to use a credit card after being
told the account was closed?
#7 -- Do you always make only the minimum payment due?
* * * * * End of The "Credit Card Junkie" Test * * * * *