Credit cards mileage vs. cash back vs. another thing
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5 years ago
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eld6161
5 years agoRelated Discussions
Debit Cards vs. Checks
Comments (25)One thing to know about debit cards...you cannot put a stop payment on a transaction. You must dispute it and wait. I had a legitimate reason to stop payment on a transaction, but found I could not because it was on my debit card. I was told by the bank that it's essentially like cash when it comes to payment. Whenever we need to purchase a big ticket item, or have a repair done, we use our credit cards...gives us some protection, and in some cases, the CC covers a longer warranty. I use checks very, very infrequently. Debit or credit cards almost exclusively. And every one of our household bills is done with on-line bill pay. I set up regular recurring payments (mtg, car insurance, etc) and for variable payments, I can set the amount I want to pay. Even for places (like the garbage co) that don't have electronic payment option, my bank sends them a check, but immediately deducts the payment from my account as if it were an electronic payment. I absolutely love it. No paper, no stamps, no finding a mail box, no late fees, and a permanent record of what was paid where all on my computer screen. My mother actually turned me on to it! I quit writing checks to stores when I got the 3rd degree after writing a check. Needed ID, managers approval, yada yada. But swipe my plastic and no problemo. Honestly, it'd be easier for an identity thief to clean you out with plastic than a check, but the stores act like you're a criminal for writing a check (unless you're white haired, barely reach the counter and take 13 minutes to complete your transaction )...See MoreCancelling credit cards & credit score
Comments (10)Everything I've seen/heard about this is not to cancel credit cards. Cancelling them does affect your credit scores. That said, at one point I had 3 separate credit cards issued by the same bank. I use only one and pay the balance in full every month. I have received letters from the bank requesting that I either use the cards or said cards would be cancelled effective 30 days of the receipt of said letter. I didn't use them, and those accounts have been cancelled. DH hates credit cards and prefers to pay cash for purchases. I did check with the 3 credit bureaus regarding whether the cancellation by the bank for lack of use of those two cards would affect our credit scores. All three claimed that it would not, and I did manage to obtain fax confirmation of that assurance. I did pull reports at 90 days after their cancellation, and our scores hadn't changed. Unless the card company contacts you about cancelling for lack of use, I wouldn't cancel....See MoreReclaiming funds from my brkn eBay chairs-PayPal or Credit card?
Comments (24)Geez, what a nightmare. Why can't people just be honest and treat others like they'd like to be treated? I just don't get it, it's not that hard. I really wanted to bid on some beautiful RL bedding, a rare style, but I really had to read between the lines and push to get info. Apparently with the shams the seller mentioned although never used, she did launder one "by mistake", but it went right back in the package. Saw no logic in that whatsoever... Since it was cotton and lace (delicate), I wondered if she dried it (which would ruin it). I emailed her asking if the washed sham had been distorted or shrank as a result. No reply. I wait a few days, auction is nearing and end, and basically email her a 'hey, I'd really like to bid, but have not received a reply to my question so I'm giving it one more try here.' That generated a response from her, she admitted that the laundered sham was 'snug' and corners 'curled', but suggested ironing would make it fit properly again. Good grief. (She failed to include that significant detail in her description, even after I asked, she didn't post my question and her answer.) Very cat and mouse. I'm glad I took time to push it, because although it was a beautiful set I might well be out the $, and it would be worthless with only one good sham (and it garnered pretty high $$). I'm watching to see what kind of feedback occurs once the buyer receives it. Anyway, back to valinsv's guy. Clearly there are major issues with some items he sells. Is he too ignorant to realize that having integrity would only bolster his business that much more? That's the part I just don't get. Treat people right, they'll keep coming back. Treat them badly as a habit and sooner or later he's going to lose. Seems to me with the type of volume he does he'd be a lot further ahead if he'd just be honest. Just curious mona if you might know: if he does get kicked off, is his IP address banned, or just his ebay ID? He seems to have such a huge system set up and selling high volume, can't see him just walking away. Could he just come back under a new ID? (Although given his business and volume and listing style, it would be easy to recognize it might be him.)...See MoreContact free credit cards
Comments (48)I don't own a debit card. I refuse them and also dislike pins which I will only use when required. Only one card in my wallet requires one. A 4 digit pin is about as useful security wise in my opinion as a four letter password. I do keep cash on hand but 99% of my purchases are with credit cards that carry some sort of reward. The only store card I use regularly is a Target/Mastercard that can be used anywhere. Not going to say no to 5% off stacked on other discounts available. I avoid store cards unless they can be used as regular CCs elsewhere. Also if a store bites the dust like Sears did the issuer will convert them often offer special financing. My Sears card was replaced by the issuer, no hard pull involved, and they offered 1 years zero interest on purchases as if it was a new card. I tend to buy new appliances and major household purchases that way. Use the banks money for as long as I can rather than my own makes sense to me. But I am good at money management and know our limits. Haven't paid interest in over a decade except for vehicle purchases. I juggle about 6-8 cards at any given time. DS is even better at it than me. He juggles dozens and churns. But he is younger,has the capital to do it with, and is blessed with a photographic memory along with his super math brain....See Moreglenda_al
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