Melissa Megason

It's basically if I don't have the cash to pay for it, I don't pay for it.

For example, I had an illness this winter and I ended up being out of work for three months.

And Mike and I had planned a vacation for June and we ended up canceling it knowing we couldn't afford it, which is fine.

I mean, I'd rather not go and owe it on his credit card.

He has one we use for emergencies, but we hardly use it and it gets paid off every month.

I just, I mean, my credit score has gotten a lot better, but every day I get at least five or six credit card offers.

You're pre-approved.

Just all you have to do is send this in or go online and I get calls consistently.

You're pre-approved for your personal loan.

Call us back to finish.

I'm like, I never even applied for a personal loan.

And you tell them to stop calling you, but they just keep

sending you offers for credit cards, sending you offers.

So when you're in one of those down moments and you can't afford something, then you're like, hmm, maybe I should just get this credit card so I can, you know, finagle it, especially with this economy, so I can see where people would do it.

But I won't do it.