FILENAME:	2163_1000_1129
TOPIC#:		304
DATE:		910318
TRANSCRIBER:	GL
DIFFICULTY:	1
TOPICALITY:	1
NATURALNESS:	2
ECHO_FROM_B:	2
ECHO_FROM_A:	4
STATIC_ON_A:	1
STATIC_ON_B:	1
BACKGROUND_A:	2
BACKGROUND_B:	1
REMARKS:        None.    

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A:  Okay.

B:  Okay.

A:  I was trying to get my children quiet for a minute.

B:  Okay.

A:  {Takes a deep breath} Well, credit cards, boy, that's an easy topic,

B:  Ye-,

A:  isn't it [laughter].

@B:  Yes, it is [laughter].  It's one we all hold dear and near, I'm sure.

A:  Oh, yes, yes.  I guess I've had some good experience and some bad
experience with them.

B:  Yeah, most of mine's been pretty good, although I'm, I guess I'm like a lot
of other people, now, I'm trying to, to pay off my credit cards and, and, uh,
I've done pretty good at it.  Yeah.

A:  Uh-huh [noise].  Well, I do fairly good until I go in the store and I see
something I want [laughter].

B:  [Laughter].

A:  You know --

B:  Yeah.

A:  -- not need, want.

B:  Uh-huh, there is a big difference {Voices}.

A:  There's a big difference there.

B:  Yeah, yeah.

A:  But most of mine that I use is strictly gasoline.

B:  Yeah, oh yeah, I, I do that, I do that, but the rest, like I said, the rest
of them I've been trying to, to pay off --

A:  Uh-huh.

B:  -- and, uh, get back on a cash basis, except for gas.  It's too easy to, to
run into the gas station.

A:  Oh, it sure is --

B:  And, (( )).

A:  -- especially when you work out of town and everything, that way {/Voices}.

B:  Uh-huh.

A:  At least that's for me.

B:  Yeah, yeah.

A:  Yeah.

B:  So.

A:  But yeah, I've, I've talked to some who's really had some bad experience
and kind of knock on wood I haven't yet, not bad.

B:  Yeah, well that's,

A:  You know, I just, I'm just shocked at the end of the month,

B:  [Laughter].

A:  to see what damage I have did, but [laughter],

B:  Yeah, yeah.

A:  I try to keep it pretty reasonable.

B:  Well, I've been pretty lucky in that respect.  I don't charge, like I say,
I've, I been trying to, to not charge except for emergencies.

A:  Uh-huh.

B:  And, uh, so, but I haven't really had any bad problems with credit cards.
There's, you know, they have, uh, wonderful features, they're there when you
need them.

A:  Yeah, yeah.

B:  You know, like in emergencies, or whatever.

A:  And then they have bad drawbacks, too.

B:  Yeah.  It's, #it's awfully easy.#

A:  #I mean high interest,# it's like paying twice.