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Massive debt that can't realistically be repaid would probably be an issue, at least I'd need to research laws and stuff to know how it would affect me to marry someone in those circumstances.
Beyond that, the amount of debt isn't nearly as much of an issue as the attitude the person has towards it and towards money management in general. If they take the responsibility to pay it seriously and have established and are sticking to a plan to make that happen and get out of debt; it's not going to be an immediate disqualification. But if they have an attitude of only doing the minimum required and blaming other people for their being in debt, well that's probably the attitude they'll take towards their marriage commitment and marriage problems, and because of that fact, I'm bailing on them. At least as far as anything that could lead to marriage is concerned.
And at the moment at least, I can be added to that collection of rarities that are debt free women. But I would consider going into debt to buy a house or car if necessary. And I use my credit card for most everyday purchases, but I always pay it off every month. As far as establishing good credit is concerned, if you never intend to borrow money then credit probably doesn't matter too much, but the way I was raised I go with better to have it and not need it than need it and not have it (assuming you can manage your credit and money well enough to not be losing a lot of money to interest charges).
And I think, though I'm not positive, that the way credit is reported, having a credit card is what counts. Even if you leave it in your dresser drawer and never use it ,you still are reported as paying your credit card bills as agreed and building credit. But having seen too many people in money trouble, I'd say if you can't manage your money well now, don't even think about getting a credit card. Too easy to end up paying massive amounts of interest.
Beyond that, the amount of debt isn't nearly as much of an issue as the attitude the person has towards it and towards money management in general. If they take the responsibility to pay it seriously and have established and are sticking to a plan to make that happen and get out of debt; it's not going to be an immediate disqualification. But if they have an attitude of only doing the minimum required and blaming other people for their being in debt, well that's probably the attitude they'll take towards their marriage commitment and marriage problems, and because of that fact, I'm bailing on them. At least as far as anything that could lead to marriage is concerned.
And at the moment at least, I can be added to that collection of rarities that are debt free women. But I would consider going into debt to buy a house or car if necessary. And I use my credit card for most everyday purchases, but I always pay it off every month. As far as establishing good credit is concerned, if you never intend to borrow money then credit probably doesn't matter too much, but the way I was raised I go with better to have it and not need it than need it and not have it (assuming you can manage your credit and money well enough to not be losing a lot of money to interest charges).
And I think, though I'm not positive, that the way credit is reported, having a credit card is what counts. Even if you leave it in your dresser drawer and never use it ,you still are reported as paying your credit card bills as agreed and building credit. But having seen too many people in money trouble, I'd say if you can't manage your money well now, don't even think about getting a credit card. Too easy to end up paying massive amounts of interest.
cinder: How you use a credit card reminds me of what our assistant pastor said one time. He was preaching about responsibility and being a good steward of your resources. He said a credit card doesn't make problems for him because "every month when the bill comes in I send it marching right back out to the mailbox with a payment. A couple of months ago the company called me up complaining that they were going to have to drop me because they weren't making any money off me. I said well buddy, go ahead and drop me. I got a lot of card companies just waiting to pick me up, they send me advertisements in the mail all the time."
The thing is, that's a flat-out lie.
Credit card companies make money all the way around as long as you're somehow using the card. Ever wonder why small businesses often want to stick with cash transactions and put off accepting credit cards as much as possible?
Credit card companies charge businesses fees (at one place I worked, it was 4% of each transaction) for being able to process their cards. If you spend $100 on your Visa and pay it in full, sure, Visa doesn't make 20% (and ongoing) interest off you because you paid your bill on time.
But it still makes $4 on your transaction because that's what it charged the company you bought from for the privilege of accepting credit card transactions.
Additionally, stores are having to upgrade their scanners all the time (such as for the new chip cards) and I could be wrong, but as far as I know, it's all at the stores' own expense, and not that of the credit companies. (Business are paying out the nose at their own cost just to keep up with payment technology. That's another reason why prices go up.)
Credit card companies make money all the way around as long as you're somehow using the card. Ever wonder why small businesses often want to stick with cash transactions and put off accepting credit cards as much as possible?
Credit card companies charge businesses fees (at one place I worked, it was 4% of each transaction) for being able to process their cards. If you spend $100 on your Visa and pay it in full, sure, Visa doesn't make 20% (and ongoing) interest off you because you paid your bill on time.
But it still makes $4 on your transaction because that's what it charged the company you bought from for the privilege of accepting credit card transactions.
Additionally, stores are having to upgrade their scanners all the time (such as for the new chip cards) and I could be wrong, but as far as I know, it's all at the stores' own expense, and not that of the credit companies. (Business are paying out the nose at their own cost just to keep up with payment technology. That's another reason why prices go up.)
S
I think pure love have nothing to do with what u have or what u don't have, as long as I know we are serving the master (Jesus) who hold each everything in his hand is for us everything will be possible with my partner s debt. Or maybe it will depend if you're came with hidden agenda into the relationship, with me it's fine.
I actually have a very good credit rating and I don't really have any debt except for a small balance that gets paid off every month. I only use one credit card (besides my costco card) even though I have two other major credit cards that I don't use.
About 20 years ago I was broke and in way over my head with credit card debt. I owed around $13k and my payments didn't even cover the interest, so I entered a credit counseling program which froze all my credit cards and gave me a payment schedule that I could live with. It took 4 or 5 years to finally pay off what I owed (can't remember exactly how long) and I learned to live without credit cards. Now I'm good at putting off purchases of things that I want but don't really need thanks to living without credit cards. Sometimes I put them off so long that the item is discontinued or obsolete by the time I'm ready to buy it.
I would prefer to date/marry someone with credit that is at least as good as mine, but even if she has poor credit, as long as she has some kind of good reason (for example, medical bills) I am willing to overlook it as long as I can see that she's trying to be financially responsible.
About 20 years ago I was broke and in way over my head with credit card debt. I owed around $13k and my payments didn't even cover the interest, so I entered a credit counseling program which froze all my credit cards and gave me a payment schedule that I could live with. It took 4 or 5 years to finally pay off what I owed (can't remember exactly how long) and I learned to live without credit cards. Now I'm good at putting off purchases of things that I want but don't really need thanks to living without credit cards. Sometimes I put them off so long that the item is discontinued or obsolete by the time I'm ready to buy it.
I would prefer to date/marry someone with credit that is at least as good as mine, but even if she has poor credit, as long as she has some kind of good reason (for example, medical bills) I am willing to overlook it as long as I can see that she's trying to be financially responsible.
