The media has been awash in recent weeks with headlines about the serious crisis of frozen credit markets and the fearsome problems with the TED Spread. Personally, though, I haven't yet experienced any signs of the credit crunch, nor heard any such stories from people who have.

In fact, I've still received plenty of come-ons from banks pushing their Visa (NYSE:V) and MasterCard (NYSE:MA) credit cards. And my current credit card companies have still sent me plenty of those awful "convenience checks" they'd love for me to use. Discover (NYSE:DFS) seems fond of calling me on Saturday nights to discuss how I don't use my card as much as they'd like me to, and to ask how they can convince me to use it more. (Yeah, right.) In Macy's (NYSE:M) a week or two ago, I was shocked to see that the store was still pushing its self-branded credit cards at anyone off the street.

True, I haven't tried to buy a car or other big-ticket item. Word has it that consumer credit for cars from companies like General Motors (NYSE:GM), Ford (NYSE:F), and Chrysler has dried up, putting those companies in even more of a bind than they were already in. And no, I haven't dared try to buy a home, either. (Sorry, Toll Brothers (NYSE:TOL) and Hovnanian.) In the past few weeks, I have heard of two home transactions, one buyer and one seller, which seems like quite a feat in this tough market.

Of course, this is all anecdotal. We'd like to hear what you've experienced during the credit crunch and crisis. Have you tried to get credit, but weren't able to? Heard tons of stories about people who have been frustrated in their attempts to get financing, or had their credit limits or home equity lines of credit (HELOCs) slashed? Or do you feel like life is proceeding as usual?

Please vote for one of the tabs, and feel free to share your own stories and opinions in the comment boxes below.

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Alyce Lomax does not own shares of any of the companies mentioned. The Fool has a disclosure policy.