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Old 01-23-2022, 02:19 PM   #34966
Catlady
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Maybe going off topic, but which are you talking about? The fat and sugar? It's not possible to cut them out entirely.
The credit cards? We're far, FAR better off without them entirely. No spite at all, face fully intact and in a much better financial situation. That's us. YOU do what you like.
I have a wallet full of credit cards, just about all of them cash-back or offering some other perk. Since I never carry a balance, the cards earn me money.
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Old 01-23-2022, 02:38 PM   #34967
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I have a wallet full of credit cards, just about all of them cash-back or offering some other perk. Since I never carry a balance, the cards earn me money.
+1

Although I wouldn't say my wallet is full of them.
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Old 01-23-2022, 04:14 PM   #34968
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We have 2 cards, the Chase earned close to $400 last year. We pay it off every month. The other is a Discover, we haven't used it much lately.

The debit card is only used for getting cash from the atm. We stopped using it at POS, and I've never used it online. PayPal is attached to a secondary checking account, not our main account. We make our cards work for us.
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Old 01-23-2022, 06:12 PM   #34969
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Less than half of credit card holders pay their balances in full every month (though it seems many more claim they do) and even for those who do, there have been studies that show people spend more when using credit cards. The study I saw was about the psychological detachment from not using 'real' money, I'm not sure if it even considered more direct stuff, like adding on to a purchase to reach a credit card minimum, or just outright paying credit card surcharges that are becoming more and more common. So I doubt the cash back is really netting out to a real benefit for many. The credit card companies are not charities giving money away. They are more like casinos. There are a few big winners, but most the time, the house comes ahead.

I'm sure you guys are the exceptions, though.

For me, I would not recommend or encourage the use of credit cards, especially since so many of us are struggling with debt or trying to recover from financial problems.

Last edited by ApK; 01-23-2022 at 06:17 PM.
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Old 01-23-2022, 08:33 PM   #34970
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For me, I would not recommend or encourage the use of credit cards, especially since so many of us are struggling with debt or trying to recover from financial problems.
This wasn't originally about "credit" cards. It was about needing a card to make online purchases (or in more than a few retail shops, over the counter). My "Mastercard" obviously does offer credit, that's how they make their money, but I only use it as a debit card. No fees.
The unavoidable cost is privacy.
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Old 01-23-2022, 09:15 PM   #34971
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This wasn't originally about "credit" cards. It was about needing a card to make online purchases (or in more than a few retail shops, over the counter).

Actually, my engagement in this matter was because when BetterRed said this:

Quote:
Originally Posted by BetterRed View Post
I've never had a credit card. Always lived by the maxim - if you don't have enough money in the bank to pay for it then you don't need it.


John F replied:
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Originally Posted by John F View Post
You are aware that you can have/use a credit card and don't have to spend more money then you have in the bank?
(pronoun emphasis added)

Maybe John can. Maybe someone else can't. Maybe someone else has a compulsive spending problem or a history of abusing credit.
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Old 01-23-2022, 09:52 PM   #34972
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Count me in as someone that the credit card companies pay to have a card. Everything goes on the card and it's paid in full monthly and I earn cash back. I have never paid any interest ever.
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Old 01-23-2022, 10:54 PM   #34973
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My aversion to credit cards and the like has nothing to do with any financial considerations. It is a manifestation of my aversion to bureaucracy. I go out of my way, and knowingly 'suffer' financial loss, in order to minimise contact with the 'authorities'.

When I wanted to pay for my funeral the undertakers wouldn't accept a cheque because I had no credit rating, and my bank wouldn't issue a bank cheque because I had no photo-id. So I paid for my own funeral in cash. Stupid is, as stupid does.

One of my ex's is paediatric psychologist. She is of the opinion that had I been born 20 years later I would have been diagnosed as autistic, and that my aversion to 'the powers that be' is pathological.

BR

Last edited by BetterRed; Yesterday at 01:16 AM.
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Old 01-23-2022, 11:45 PM   #34974
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When wanted to pay for my funeral the undertakers wouldn't accept a cheque because I had no credit rating, and my bank wouldn't issue a bank cheque because I had no photo-id. So I paid for my own funeral in cash. Stupid is, as stupid does.
I hope that was in advance. I'd be slightly worried if you were paying it after the fact.
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Old Yesterday, 05:18 AM   #34975
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I want a new laptop, one that can handle The Sims 4 better than my current laptop. I've had my eye on one of the laptops in Lenovo's Legion 5 Pro series. I've saved up and got the money, but the laptop has been on back order for months now at my preferred store. And laptops with similar specs are more expensive and the cooling isn't as good.

So I'm calling the store to ask if they know when they're going to get it. Kudos to Coolblue for giving you the option of having music or no music when waiting. I chose music and it isn't annoying music and no recording every 30 seconds to tell you you'll be helped as soon as possible.
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