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    Credit cards

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    islandgrl
    Admin

    Posts : 2477

    Credit cards

    Post by islandgrl on Mon Sep 19, 2011 10:25 am

    They are easy to get and use but do they also get people into debt faster. Which one is best? Do you need to get one/change?

    Very helpful and enlightening article [You must be registered and logged in to see this link.]
    avatar
    Windwalker

    Posts : 842

    Re: Credit cards

    Post by Windwalker on Mon Sep 19, 2011 4:09 pm

    Great information, best bet for me is just one credit card and then use it sparingly.
    avatar
    oceanna

    Posts : 4025

    Re: Credit cards

    Post by oceanna on Mon Sep 19, 2011 4:59 pm

    Good advice there Islandgrl.
    We have two credit cards and only use them when necessary.

    A credit card is great to have when travelling or for
    emergencies. I think some cards are just too easy to get.

    avatar
    Guest
    Guest

    Re: Credit cards

    Post by Guest on Mon Sep 19, 2011 9:36 pm

    I agree.... credit cards are far too easy to obtain and along with it the temptation to overspend. Many years ago we had to practically jump through hoops to get approved for a Visa card from the Bank and with a low credit limit at that!
    avatar
    wuzfuz

    Posts : 3682

    Re: Credit cards

    Post by wuzfuz on Tue Sep 20, 2011 2:23 am

    My family calls me Bargain Bob

    I use my Mastercard for most purchases over $20.. I get points that I can use on future purchases of groceries and other articles sold in stores owned by the issuer of the card, a large supermarket chain.

    Fortunately I am able to completely pay the balance each month so no interest is involved.

    I like to use other people's money instead of my own for up to a month with no penalty.

    You can see why my family and friends call me Bargain Bob

    Pay it off completely so there in no interest charges.

    GirlCheerleading Laughing



    Last edited by wuzfuz on Wed Feb 22, 2012 7:50 pm; edited 1 time in total (Reason for editing : Added comments)
    avatar
    Guest
    Guest

    Re: Credit cards

    Post by Guest on Fri Sep 23, 2011 11:58 am

    I use my credit card all the time. I pay the entire bill at the end of the month, actually it comes out of checking account automatically. I even use it to my my groceries. I get 1% back in January and we use that money to buy gift certificates to the Keg. We go for a lovely lunch about 4 times a year and pay very little each time. It is our gift to ourselves.
    avatar
    wuzfuz

    Posts : 3682

    Re: Credit cards

    Post by wuzfuz on Fri Sep 23, 2011 3:36 pm

    greyhoundlady wrote:I use my credit card all the time. I pay the entire bill at the end of the month, actually it comes out of checking account automatically. I even use it to my my groceries. I get 1% back in January and we use that money to buy gift certificates to the Keg. We go for a lovely lunch about 4 times a year and pay very little each time. It is our gift to ourselves.

    Hi GHL

    Don't think an automatic withdrawal is a good idea. Like to see a hard copy of my monthly statement to ensure all charges are legitimate before paying it on the Internet
    avatar
    Guest
    Guest

    Re: Credit cards

    Post by Guest on Fri Sep 23, 2011 5:27 pm

    I keep all my receipts and check them off with the online bill and when the actual bill comes in the mail I double check to see if every thing is right. Visa, taxes, insurance and hydro come out of account every month on the first. Gas comes out on the 22. So it is easy to keep track of what goes on. I also check my banking every morning while having my morning coffee so I can see if anything is amiss. One time $500 was missing and I called right away and got my money back. I do enjoy my lunches out at the keg compliments of the 1% back.
    avatar
    Guest
    Guest

    Re: Credit cards

    Post by Guest on Sat Sep 24, 2011 4:30 pm

    GHL - yes, it is nice when you get something back from a credit card company isn't it? For years now I've only used credit cards that will reward me in some way and refuse to use anything else!
    avatar
    daffyd

    Posts : 956

    Re: Credit cards

    Post by daffyd on Wed Feb 22, 2012 7:35 pm

    Watch out..........

    Credit/Debit Card Fraud

    Do you have this type of CARD?


    This report may be of interest to some Global travellers.

    [You must be registered and logged in to see this link.]
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    wuzfuz

    Posts : 3682

    Re: Credit cards

    Post by wuzfuz on Wed Feb 22, 2012 7:45 pm

    Family call me Bargain Bob.

    I spend little cash on things I buy.

    Use my Mastercard because it gives me points for every purchase I make using their card. Built up many dollars that I can spend in their supermarkets on anything they sell.

    Very Happy
    avatar
    daffyd

    Posts : 956

    Re: Credit cards

    Post by daffyd on Wed Feb 22, 2012 8:34 pm

    Missing the point?
    avatar
    wuzfuz

    Posts : 3682

    Re: Credit cards

    Post by wuzfuz on Wed Feb 22, 2012 10:21 pm

    Missing the point?[/quote]


    Thought I hit the target!!


    clapping.gif
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    islandgrl
    Admin

    Posts : 2477

    Re: Credit cards

    Post by islandgrl on Thu Feb 23, 2012 3:44 pm

    Is there also a store called Bargain Bob. I know there is one called Target. Very Happy If I have to make a purchase on credit I use Visa Dividend. At the end of the year I get some dollars which I can again use to make purchases.

    Sears has a points awards system, where they give you points that can be redeemed also. Trouble is points are deleted periodically. I learned with my last bill that I lost the points for $621. I phoned and complained and learned I could be put on automatic redemption for the vouchers. Now they will automatically send the vouchers before the points expire. Vouchers expire after 6 months.

    My beef was, why give the points if they are going to take them back after a certain time.
    avatar
    wuzfuz

    Posts : 3682

    Re: Credit cards

    Post by wuzfuz on Thu Feb 23, 2012 5:15 pm

    [quote="islandgrl"]Is there also a store called Bargain Bob.



    [You must be registered and logged in to see this link.] Help
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    oceanna

    Posts : 4025

    Re: Credit cards

    Post by oceanna on Thu Feb 23, 2012 5:54 pm

    (quote - Islandgrl)
    (Sears has a points awards system, where they give you points that can be redeemed also. Trouble is points are deleted periodically. I learned with my last bill that I lost the points for $621. I phoned and complained and learned I could be put on automatic redemption for the vouchers. Now they will automatically send the vouchers before the points expire. Vouchers expire after 6 months.)


    I did not know about Sears automatic redeption for vouchers. I have had points expire too so I will ask about being put on automatic redemption. Thanks for that information Islandgrl.


    Thanks-sign

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    Re: Credit cards

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