Department Store Cards and Specialty Store Cards

Some of these cards have no advantages at all. Some do. I am going to get rid of most of my cards once I pay things down and keep a few.

Victoria's Secret - The best card. They send a coupon for a free pair of panties every few months. No purchase necessary. And they send other coupons.

New York & Co - No advantages.

Dillard's - If you spend a lot there, they'll send you a coupon for 20% off. So, there's no reason for me to keep this one.

Express - They send coupons all the time, but you always have to spend a certain amount to get the "deal" so it's not worth keeping this one either.

Ann Taylor - No advantages.

Kohl's - They send you 10 or 20 or 30% off coupons now and then. Not worth keeping.

Penny's - You have to sign up for their "Rewards" program - they don't enroll you automatically when you get their credit card. So I would have gotten lots of gift certificates if I had found that out sooner. This one is worth keeping. They send you a $20 gift certificate with no minimum purchase every a couple hundred you spend.

Where Did All That Money Go?

The credit card debt adds up to almost 9,000 dollars now. It's hard to believe. I can't recall spending 9,000 dollars. Lemme see how much of it I can actually remember spending...

NY&C 303 - I bought a great pair of jeans, a couple shirts, and a jacket, all of which I wear all the time and love.

Express 143 - I bought 2 shirts I never wear.

Ann Taylor 419 - A nice sweater and a long-sleeved shirt I never wear.

Dillard's 110 - A pair of boots and a purse I love.

Kohl's 302 - A couple Christmas presents and a turntable.

Victoria's Secret 392 - All their stuff is expensive, but I wear most of what I got there.

Penney's 1221 - Lots and lots of clothes, many still have their tags and I haven't worn.

American Express and Visa 5936 - I don't know but probably food and clothes and gas.

8914.53 in Credit Card Debt

New York and Company 302.83
Express 143.23
Ann Taylor 419.38
Dillard's 110.43
Kohl's 302.79
JCPenney's 1220.70
Victoria's Secret 391.96
American Express 2299.50
Visa 3636.71
Paypal 87.00

TOTAL 8914.53