do you have a credit card

RomanSunburn · Dec 05, 2018 at 06:12 PM

I prefer to use a credit card rather than a debit card because with a credit card, you can challenge unauthorized uses and not have to pay them. With a debit card, someone can drain your account very easily. I also know that card skimmers are still a problem, especially at places like pay at the pump gas stations. I'm hoping that as the chip technology becomes more ubiquitous, debit cards will get safer. In the mean time, my husband and I just make sure to pay off our credit card every month, so it's practically a debit card.

Medusax · Dec 07, 2018 at 07:16 AM

I have a Sams card, used ONLY at Sams. I have two VISA's, one through my bank and one with Chase. The one through the bank is my internet purchase card. the other is for incidental that I cannot pay cash for right at the moment. I am very good with money, it is something I pride myself on, but it is easy to get a little over your head even for the most responsible of us. How I keep it in check is I have a "little black book" and I write down the amounts I have spent when I charge something. It helps to see it in front of your face. When you can actually see where you are at it is easier to "check yourself before you wreck yourself". LOL!!

Dec 09, 2018 at 01:13 PM

I have 3 credit cards and I clearly can't use them right. One is maxed and another one is getting there.

Guess I'll never have a good credit score since I cant use a measly $300 credit limit right lol.

TheSeaCat · Dec 12, 2018 at 01:38 AM

I have a credit card and a debit card. I only really use my debit card; the credit card is a strictly emergency kind of thing; granted I have used it in the past when I had nothing on my debit card and really needed something, but I payed it right off.

amandalouise · Dec 12, 2018 at 10:29 AM

most people over 18 do have a credit card and or debit card. it is very rare to use actual cash now due to all the stores and such are computerized, digital scanning. not saying people dont still use cash because some do, just that many stores, community agencies like city bus lines, air ports, train stations,DMV, social security and others now require payment by credit or debit cards. many USA states now also require everyone over 16 to have either a drivers license or state ID issued from the department of motor vehicles.

there are also many states that have changed their social services (ie food stamps, money and medical insurance plans) over to a benefit card that gets scanned rather than paper.

the enjoyment of living in the computerized digital age, paper is on the decline and "cards" with a security chip are in.

I do have to say carrying a debit card and credit card and photo ID is so much easier to deal with then standing in line counting out paper and coins.

Dec 13, 2018 at 08:44 AM

Quote:

Originally Posted by amandalouise

most people over 18 do have a credit card and or debit card. it is very rare to use actual cash now due to all the stores and such are computerized, digital scanning. not saying people dont still use cash because some do, just that many stores, community agencies like city bus lines, air ports, train stations,DMV, social security and others now require payment by credit or debit cards. many USA states now also require everyone over 16 to have either a drivers license or state ID issued from the department of motor vehicles.

there are also many states that have changed their social services (ie food stamps, money and medical insurance plans) over to a benefit card that gets scanned rather than paper.

the enjoyment of living in the computerized digital age, paper is on the decline and "cards" with a security chip are in.

I do have to say carrying a debit card and credit card and photo ID is so much easier to deal with then standing in line counting out paper and coins.

Making me feel like I live in the stone age then.

My state still doesn't accept debit/credit for bus fare and still makes us use cash to pay the fee for driver's license and state ID.

Another reason why I want to get out of my backwards state soon lol. Oh well at least cost of living is low.

RomanSunburn · Dec 13, 2018 at 04:48 PM

It really depends on where you are. There's a lot of businesses around here that have $5 or $10 credit card minimums. So if it's a place like a coffee shop, most people are going to use cash since a cup of coffee doesn't tend to be very expensive.

Regarding buses, I've been in a few different cities that have reloadable cards for frequent travelers, but if you're only using the bus on seldom occasions, you still have to use cash.

But I have to admit, the paper I miss the most is bonds and stocks! It was so much easier to give bonds and stocks as gifts when they were pieces of paper, especially to minors. Now you have to set up electronic trusts and what not. And it feels so much less like a present when you say "I bought you some stock and set up a trust for you. Sorry you don't get to unwrap anything...Happy birthday!"

Aviza · Dec 19, 2018 at 06:32 AM

I have a debut card and a credit card. Bought my laptop with my credit card.

mpweb · Jan 16, 2019 at 03:06 PM

I have not any credit card. But I want to apply credit card for my personal expenses. But my father always told me that instead of using credit focus more on your income and use that money on your personal expenses.

qwerty68 · Jan 17, 2019 at 12:27 AM

It takes self-discipline but credit cards are very useful.

I have a few but really only use one. Pay it back before interest is added and it is pretty much like a debit card that pays me. I make a few hundred dollars a year from using my credit card with all the cash back programs. Plus, it keeps my credit rating high.

It is also useful if you have a legitimate emergency.

My only regret is that I can't use my credit card to make my mortgage payment(and pay it off the next day of course). That would be an extra 700-$800 a year in cash back and no interest on the card.

sarahsweets · Jan 17, 2019 at 05:02 AM

I got into trouble years ago with credit cards so I do not have one now. We hardly have any debt at this point because we paid off our house.

~Christina · Jan 20, 2019 at 08:09 PM

We have 2 that we only use once a month for maybe 100 bucks and pay it off at months end , we are trying to rebuild our credit.

It’s working , we went from credit score in 500 to 740 now and that’s with having to finance a whole AC unit we pay through a payment loan. Had our credit score been at 500 we could have never gotten the loan.

Using it and paying it off monthly will increase your credit rating.

WishfulThinker66 · Mar 14, 2019 at 03:22 PM

Regarding payments that only require credit card. Warning bells and red flags are going off right now. There should never be a legitimate bill that will only accept credit card as payment. I am sitting here right now incredibly incredibly suspicious. If you are referring to online or over the phone shopping you might want to evaluate your reasons to do so. IF you find that doing so is in fact necessary then I recommend you obtaining a reloadable credit card. You are best to obtain one from the post office as that is usually where you will get the best rate.

splitimage · Mar 16, 2019 at 06:44 AM

I just got 2 new cards. I gave up using credit cards when I filed for bankruptcy in 2012. Last year I applied for and got a secured credit card, and used it, an paid it off each month to improve my credit score. The finance company that was issuing the cards wanted to get out of that business, so I needed a new card. I decided to try applying for an unsecured card, and wound up getting approved for 2. I'm using one for my monthly grocery order which I always pay off, and the other I'll put a small bill on - like maybe my newspaper subscription but mainly hold onto it for emergencies.
splitimage

sarahsweets · Mar 16, 2019 at 09:05 AM

Anyone have an idea what kind of card will be recommended for absolutely horrible credit? Something other than capital one.

Rose76 · Mar 17, 2019 at 03:36 PM

Credit cards really are a necessity of modern life. They can save you money by allowing you to shop on line.

At the moment, I don't have one. I do have a debit card tied to my checking account. That lets me mail order stuff. I don't have one because I tend to look at my mail late and know I'ld not be paying on time. When I'm not away from home so much, I will get one . . . preferably at my Credit Union.

Mar 17, 2019 at 04:06 PM

yep, but at the moment very little on it

and I mean very little

Mountaindewed · Mar 21, 2019 at 05:05 PM

I have a travel rewards one. I got it about a year ago. I felt really grown up when I got it since it was my first credit card that I could use for anything and not a specific store. I had a credit card for my former job that also had my employee discount on it. Of course I don’t use that one anymore. and I have a Macy’s one I never use. I have a care credit card which is a lifesaver.

My mom wanrned me for years about the dangers of credit cards. So I’m really good with them and I don’t have any issues. But it is so convenient to use one for a $20 item when you don’t get paid for a few days.

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Anonymous52222 Guest Posts: n/a	Dec 09, 2018 at 01:13 PM #23 I have 3 credit cards and I clearly can't use them right. One is maxed and another one is getting there. Guess I'll never have a good credit score since I cant use a measly $300 credit limit right lol.
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Aviza Magnate Member Since Jan 2013 Location: Midwest Posts: 2,456 11 86 hugs given	Dec 19, 2018 at 06:32 AM #28 I have a debut card and a credit card. Bought my laptop with my credit card. __________________ Son: 14, 12/15/2009 R.I.P. Daughter: 20 Diagnosis: Bipolar with Psychosis. Latuda 100 mgs.
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mpweb New Member Member Since Jan 2019 Location: India Posts: 2 5	Jan 16, 2019 at 03:06 PM #29 I have not any credit card. But I want to apply credit card for my personal expenses. But my father always told me that instead of using credit focus more on your income and use that money on your personal expenses.
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sarahsweets Threadtastic Postaholic Member Since Dec 2018 Location: New Jersey Posts: 6,008 (SuperPoster!) 5 192 hugs given	Jan 17, 2019 at 05:02 AM #31 I got into trouble years ago with credit cards so I do not have one now. We hardly have any debt at this point because we paid off our house. __________________ "I carried a watermelon?" President of the no F's given society.
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sarahsweets Threadtastic Postaholic Member Since Dec 2018 Location: New Jersey Posts: 6,008 (SuperPoster!) 5 192 hugs given	Mar 16, 2019 at 09:05 AM #35 Anyone have an idea what kind of card will be recommended for absolutely horrible credit? Something other than capital one. __________________ "I carried a watermelon?" President of the no F's given society.
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Anonymous32451 Guest Posts: n/a	Mar 17, 2019 at 04:06 PM #37 yep, but at the moment very little on it and I mean very little
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