I know but you can still get fucked when you get triple-billed for something or your gas meter gets mis-read and you get hit with a $3,000 gas bill
Hey Walmart lovers... you can thank Walmart for the new debit card fees.
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I know but you can still get fucked when you get triple-billed for something or your gas meter gets mis-read and you get hit with a $3,000 gas bill
Billydroveit
Club Member
X2. I will NEVER do buisness with them again. My mortgage was so screwed up by them. Then to try and eve pay them...lmao It was like they didn't want my money.
ShadowRuleZ
Club Member
Does anyone believe that retailers didn't already pass their fees to the consumers by raising prices? If the banks are going to be subsidizing these fees through their account holders, retailers should be lowering prices, but I know none of them will.
WhiteHawk
Club Member
Why use your money when you can use the banks for free? Just keep the credit card payed off every month.
-Geoff
sams99lightning
Forum Member
Credit cards are not free when you pay a high ass Apr percentage. Is much rather use my debit than my credit any day of the week. I keep a set amount in there and never go below it. Anything above the set amount is my spending money.
mdhmi
Club Member
I don't really feel that a bank needs to have a lifelong record of every Whopper, box of Kleenex, and case of beer I buy.
Use someone else's money. Do you think the .001% interest on the couple grand a month that you float on a credit card is making you money? Ha!
lethalss
Forum Member
I know but you can still get fucked when you get triple-billed for something or your gas meter gets mis-read and you get hit with a $3,000 gas bill
Nope, nothing is on auto-pay
That's for suckers. I had my gas bill double billed last year, saved me a ton of headaches not having autopay. Also like someone else mentioned, it seems to be the norm now days to over-bill, the companies usually make out because some people do not notice or correct it.
Falcon64
Forum Member
If you dont run a balance there is no fee to use a credit card
At least the one i use anyway. I never use my debit card for
that very reason.
The us gov bailed the banks out once. Fuck them walstreet duesebags!!
4 cam tbird
Club Member
I put everything on a credit card that gives me 1% cash back on everything and 5% on certain quarterly categories and pay it off every month. Never pay a dime in interest, get $300 a year back. The bank can gladly know where I go to lunch and how many tissues I buy. They had 5% cash back at home improvement stores when I bought my stove at Lowe's this year, pretty sweet deal. 5% all summer on travel related expenses. 5% now at retail stores for the last quarter and the Christmas shopping season.
ShadowRuleZ
Club Member
Except higher prices from retailers to cover the cost of the fees the CC companies charge them.
WhiteHawk
Club Member
Don't care if they know. And it is not about making interest, it is about flexibility with cash flow and budgeting.
If you pay interest then you are doing it wrong.
That. I get paid real cash to use my card too.
-Geoff
4Gas$
Club Member
Some of this thread reminds me of my wife’s best friend. She tries to
put everything she can on her cc to get her “cash back”.
I’m gonna have to start a business that has one of these scams, like
cc companies & Krogers. Last week my wife bought gas at Krogers
with her shopping points of 400, which means she spent $400 to get
40% off of her gas fill up. The truck needed a little more gas (Krogers
limits your fuel amount) so she went to another regular gas station to
finish the fill up, that price was only $0.05 a gallon more! Boy was
she mad!
Another problem with conditioning people to use their cc to make
purchases is a lot of the time means you’re buying at the wrong place.
What I mean by this is, only the retail stores that sell all new items
accept cc. The places like resale shops (where my family shops) that
sell high-value used items don’t accept cc. Likewise, craigslists, another
high-value outlet, also does not accept cc. I guarantee you I save a LOT
more than “ 1 to 5 % cash back” by shopping for items at resale shops,
craiglists, auctions and the like.
That is why I don’t even own a cc, never have, never will. And just in case
you think “second hand means you own nothing but junk” – you’d be sadly
wrong. It can mean living debt free……….free, as in financial freedom.
I understand this isn’t for everyone. I simply offer it as food for thought.
put everything she can on her cc to get her “cash back”.
I’m gonna have to start a business that has one of these scams, like
cc companies & Krogers. Last week my wife bought gas at Krogers
with her shopping points of 400, which means she spent $400 to get
40% off of her gas fill up. The truck needed a little more gas (Krogers
limits your fuel amount) so she went to another regular gas station to
finish the fill up, that price was only $0.05 a gallon more! Boy was
she mad!
Another problem with conditioning people to use their cc to make
purchases is a lot of the time means you’re buying at the wrong place.
What I mean by this is, only the retail stores that sell all new items
accept cc. The places like resale shops (where my family shops) that
sell high-value used items don’t accept cc. Likewise, craigslists, another
high-value outlet, also does not accept cc. I guarantee you I save a LOT
more than “ 1 to 5 % cash back” by shopping for items at resale shops,
craiglists, auctions and the like.
That is why I don’t even own a cc, never have, never will. And just in case
you think “second hand means you own nothing but junk” – you’d be sadly
wrong. It can mean living debt free……….free, as in financial freedom.
I understand this isn’t for everyone. I simply offer it as food for thought.
WhiteHawk
Club Member
I don't see how getting cash back is a scam. And I don't know where you can buy food these that doesn't take a credit card except for the farmers market. But yea, those loyalty cards are all scams.
Living off the grid is a lifestyle choice. Owning a credit card doesn't mean you are in debt, either. I define living in debt as having more debts than assets. If I have $200,000 in savings, owe $100,000 on my house, and have $500 on my credit card, am I in debt? I don't think so, but I guess it is how you define it.
-Geoff
Living off the grid is a lifestyle choice. Owning a credit card doesn't mean you are in debt, either. I define living in debt as having more debts than assets. If I have $200,000 in savings, owe $100,000 on my house, and have $500 on my credit card, am I in debt? I don't think so, but I guess it is how you define it.
-Geoff
4Gas$
Club Member
:thumbsup:
4 cam tbird
Club Member
But if you're shopping at a grocery store and use cash, you could have used a credit card and gotten cash back. I mean, your philosophy is all well and good but you can't tell me you NEVER shop at places that would take a credit card. And for things at those places if you used a credit card that gives you cash back you'd be ahead of where you are even. I don't need to get to the $300 in cash back to get money back. I can get a check for every $50 accumulated. With the 5% bonus things it wouldn't even require putting $5000 a year on the card to get cash back.
WhiteHawk
Club Member
If you don't get a cash discount (like a gas station), how is it you pay more for your food by using credit? Everyone pays more, including the people who pay cash.
-Geoff
INControl7
New member
Screw walmart!