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  1. #1
    Join Date
    Aug 2006
    Posts
    2,594

    Surviving w/o Credit Card

    After having repeat problems with stolen credit card id, I had my limit reduced to $750. I was going to go on a trip and found out it was actually at $400. After dozens of phone calls, explaining that it was 'I' that asked for the limit, they reinstated me at $1000 and 29% interest The flight was too expensive by then. I told them what they could do with their card, cut it up and sent it back. Was going to order uniforms off the net, dawned on me I have no card. What do you do when you have no C card. BTW I never missed a payment, always paid off balance quickly. I didn't even have a C card till I was into my Thirties.

  2. #2
    Join Date
    Jun 2003
    Location
    Hell Hole Swamp
    Posts
    4,180
    Use a Debit Card

    I kicked the CC companies to the curb also, they are evil

    Now if they would just stop calling lol

  3. #3
    Join Date
    Apr 2004
    Location
    Bartlett, IL
    Posts
    6,619
    Yep, debit card. I have one for biz and personal. If I ain't got the cash I don't buy it....

  4. #4
    Join Date
    Jul 2009
    Location
    Houston,Tx via Wilmington,NC
    Posts
    59
    Quote Originally Posted by Swampfox View Post
    Use a Debit Card

    I kicked the CC companies to the curb also, they are evil

    Now if they would just stop calling lol
    Send them a Registered Letter saying "If you call this number again you will experience my attempt to deafen you." Get an air horn from Academy and when they call,knock them out of their little cubicle.

  5. #5
    Join Date
    Feb 2004
    Location
    SC
    Posts
    20,677
    Quote Originally Posted by Swampfox View Post
    Use a Debit Card

    I kicked the CC companies to the curb also, they are evil

    Now if they would just stop calling lol
    And every intellectually honest financial adviser will tell you the same. If you can't pay cash, don't buy.
    No reserve. No retreat. No regrets.

    For those who have fought for it, freedom has a sweetness the protected will never know.

    http://www.airwarvietnam.com/16thSOSGunners2.jpg

    Proud member of KA Club

  6. #6
    Join Date
    Nov 2008
    Posts
    1,673
    No credit card, ATM card, cell phone. . .

  7. #7
    Join Date
    Jun 2003
    Location
    Hell Hole Swamp
    Posts
    4,180
    Quote Originally Posted by WhoIsThat? View Post
    No credit card, ATM card, cell phone. . .
    Your not that guy that goes through the express checkout line and writes a check, are you?

    I see a lot of people doing that, I want to smack em, Im usually passing them on the way out the door since I can pay in about 10 seconds with a debit card

  8. #8
    Join Date
    May 2002
    Location
    Houston Texas
    Posts
    6,321
    I run my business on CC's, I have over 400K worth of credit. I never miss a payment and we pay the balances every month. We get 3% to 5% cash back each month and by paying our accounts by CC we extend out another 30 days. That puts our ready cash drawing interest for up to 50 days more than paying up front.

    We monitor or credit and match up every ticket, we have never had a problem and never had the numbers stolen. I do not know anyone that has ever had their identity or credit stolen.

  9. #9
    Join Date
    Nov 2008
    Posts
    1,673
    Quote Originally Posted by Swampfox View Post
    Your not that guy that goes through the express checkout line and writes a check, are you?
    Nah, I'm in MD, not SC.
    All these seductive things give you convenience and speed, at a hidden cost.

    Some of these guys hold up the line and then "apologize" for holding up the line.
    You're then supposed to say,
    "Today you can inconsiderately hold up many people for no good reason but puh-leeze do not add insult to injury by apologizing for it."

  10. #10
    Join Date
    Oct 2008
    Location
    Georgia
    Posts
    673
    Quote Originally Posted by WhoIsThat? View Post
    Nah, I'm in MD, not SC.
    All these seductive things give you convenience and speed, at a hidden cost.

    Some of these guys hold up the line and then "apologize" for holding up the line.
    You're then supposed to say,
    "Today you can inconsiderately hold up many people for no good reason but puh-leeze do not add insult to injury by apologizing for it."
    My wife wants to get rid of the debit card and go strictly to a bank card, one without the visa logo to only be used at ATM's. I know it is all about being responsible but it is so easy to have that debit card and just swipe it. We are trying to go to cash only and have that on us to use during the week in the hopes it will make us more conscientious of what we are spending it on. I am not sold it will work 100% but hey marriage is about compromise.

  11. #11
    Join Date
    Nov 2008
    Posts
    1,673
    I pay by cash or check.

    They use
    http://en.wikipedia.org/wiki/Factor_analysis
    to track your habits and this info can be sold to others.
    See
    Factor analysis in marketing
    in the link.

    It's nobody's business what I buy. These people have no business being up my @$$.

    My ATM shortchanged me and my bank told me to call some number in FL to get my money back.
    I said, "I don't chase wild geese and I don't take orders from my bank."
    So the manager called FL, they hung up on her, she called back to ask why they hung up on her, and then she told me it was a bad phone connection. Did she forget I was sitting there the whole time?

    Crooks and Liars. Tony Soprano should be proud.

  12. #12
    Join Date
    Dec 2002
    Location
    Tampa, Florida
    Posts
    706

    debit all the way

    I have 2 debit cards, 1 from my bank for personal use; the other is a Wal-mart debit card that you refill, I use this one for on-line purchases. I load the Wal-mart money card with just enough money to cover the purchases.

  13. #13
    Join Date
    May 2008
    Location
    Jax Fl.
    Posts
    1,943
    I have Biz cards for the Company since I order a lot of IT stuff from non-vendors. I did once have a Biz card scammed by ordering some software on Amazon.com.
    The company that Amazon used as a CC clearinghouse got a virus on their servers that cost them over 100 mill in fraud.

    The guys who did it just recently went to jail for it. They ran up a 10K bill on the card, buying motherboards for video gaming computers from Tokyo. The bank refunded everything to us.

    My Wife and I both put almost everything on our personal CC since both of our pay goes Direct-Deposit into our accounts and with electronic banking I can just move the money to pay off the card every month. We also get points for our card too as a plus.

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