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Discussion in 'Credit Talk' started by lbrown59, Apr 28, 2001.
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AND THE BENEFIT OF THAT IS WHAT???
You pay HIGHER costs with cash and checks!!!
THEY ARE NOT FREE TO USE OR GET...
I agree with George. Credit cards are not bad when used wisely, and can be a great benefit to have. Nobody made me buy things I didn't have the cash for. That was my decision.
If you use your cards well, you can spend other peoples money to float your purchases and make money off your cash in the bank.
I for one am NOT cutting up ANYTHING!
That makes sense in a generation long gone...one where fees were not the norm on your card, and cutting them up destroyed their use...so they were "cancelled". In todayâ??s world the fees continue with late charges and you get screwed so JUST cutting them up makes no sense (and you must be careful even if you cancel them in some cases - see Providian thread above).
There are reasons to cancel cards (too many cards - debt ratio to high, can't afford the yearly fees etc) and I would certainly cut up any card that I cancelled before disposing it... but to offer blanket advice of "cut them up" is mis-leading and not beneficial to the readers of this board.
My 2 cents -Dave
MY SELF I USE DISCOVERCARD FIFTY TO TWO HUNDRED TIMES PER MONTH...I WRITE ONE CHECK!!!
I GET 1-2% BACK
Cash costs money to go get, and can you immagine carrying around >$1,000 in your wallet? I RARELY CARRY MORE THAN $10-20...
Checks cost money to write! (up to 200 per month...every month)???
I pay NO annual fees...
I get float time...
BIG ONE----> NO ID REQUIRED...
I can dispute a charge...
If I lose my card, I pay NOTHING...
What does it cost you if you lose your CASH?
If you like writing checks, fine...THATS YOUR RIGHT.
This may well work for you and a small group of others;but it doesn't seem to be going that way for the majority of the posters here,else why all the trouble with CAs and CRAs?