Whatcha mean ya spent the money already? and you suck cause your closed already.

[ravevolution]

I had a Sears credit card too, partially cause. . . that's the company's autocenter I work at (cats out fo the bag DUN DUN DUN!)

But I canceled it and paid off the balance only after only 6 months after having it, mostly cause the credit side of the company tried to screw me over

When I first started I got the card as a 'what the hell not' reason, also I needed tires on my car. SO I applied and charged the tires to the card, but I never got a statement or the actual card for 3 months I called and they stated they had the wrong address on file, which I thought was odd being I'm a employee I would think they would have the right one. After correcting them like a dozen times and they finally sending me a bill but no card they tried to push late and no payment charges on me. I called them up, bitched them out and canceled it.

Even thought the company wants us to have customers apply for their credit cards, I don't push it after my experience with them.

[XCashier]

So, did she come back and pay for the tire?

[Shalom]

We treat our credit card like our debit card. If the money's not in the account already, we don't spend it off the credit card.

This. ↑ Very important if you don't want to get in over your head.

I used to keep forgetting to pay the bill until it was a day late or so, and got socked with late fees up to $39 sometimes, but now I have it set up such that if I haven't made any payments by the due date, it automatically makes the minimum payment for me. (Why not the whole balance? Simple, I'd be turning my credit card into a debit card if I did that. I do try to pay off the whole balance each month if I don't forget.)

Hubby likes to keep his checkbook simple by having as few entries in it as possible, so most everything goes on the credit card (which nets us reward points too), and then it gets paid off in a lump sum from the bank account at the end of each month.

That. ↑ I do this exact thing for this exact reason. If I pay with a check, I get exactly what I pay for. If I use a credit card, I get some bux returned to me eventually...

(If I ever get around to claiming them. I've accumulated something like $245 cashback on my Find card, representing purchases going back to 1995 or so; one of these days I gotta do something about redeeming that, before they wake up one day and decide that they don't feel like offering cashback anymore and it evaporates. I used to have a deal with Pursue wherein you redeem $200 worth of points for a check for $250. I did this twice before they realized how much money they were losing and canceled that deal, when I only had $35 left to get to $200. It was still active on my wife's card, though, so I made sure she redeemed hers for the extra $50 while she still could.)

I also prefer to pay for gas with credit cards, because then I have a record of where and how much, without having to keep a huge stack of paper receipts for cash purchases. I'm having to rethink that now that most stations in this area are charging an extra 7-10¢ per gallon for using the card, which I thought was illegal/against their TOS.

Then all he has to do is make sure each receipt we bring home over the course of the month matches up with the credit card statement online, and that no odd items show up on it, and we're good.

This ↑ as well. Very important. I just today found that the bank has been charging me a miscellaneous Account Fee of $35/month, with no explanation of why, for the past 3 months totally by accident, because I was checking my statement for something entirely else. Called them up and (very politely) asked them WTF was up with that, and they apologized, said it was a "Bank Error" (I could hear the capital letters) and reversed them. That's 105 of my dollars that they could have kept if I hadn't checked for "odd items", as you put it.

Not to mention that my wife wound up with a recurring $19.95 charge from some shady outfit affiliated with classmates.scamcom. The bank took those charges off when we told them they were fraudulent, but if we hadn't been paying attention we'd still be paying those charges.

[ravevolution]

So, did she come back and pay for the tire?

Yep she finally did last Thursday, I was off that day and didn't see my CW until today to ask him.

He was still irritated bout it, but in his fun free spirit way

But from what he told me, she came in, paid after giving this whole drawn out story how the credit company was trying to mess with her over something. . . whatever She actually didn't even pay for it, even with the credit she opened, but I guess her boyfriend/male friend paid for it and kind gave this how our stuff is expensive complaint when he paid for it *rollseyes*

My cw just billed them out and was happy to just be rid of them and that chapter

[Racket_Man]

HMMMMM????? I wonder how in the hell I have managed to live 50+ years without having a single CC (national or store brand) is beyond me.

If I do not have enough cash on hand to buy something, well it just does not get bought. I never wanted to fall into the credit-go-round trap. now for the record I DO have a debt card.

[Primer]

I also prefer to pay for gas with credit cards, because then I have a record of where and how much, without having to keep a huge stack of paper receipts for cash purchases. I'm having to rethink that now that most stations in this area are charging an extra 7-10¢ per gallon for using the card, which I thought was illegal/against their TOS.

They get around it by calling the cash price a discount; it's NOT a surcharge for using a credit card.

In any case, I have one cc I use for gas purchases that gives me a rebate, and I use Discover for almost everything else (medical and automotive), which also gives me a rebate. Groceries are cash basis. At the end of the month, I write three checks: one to each cc, and one to the mortgage company. For some reason, the mortgage company wants an extra $12.50 per month to do an online payment. I don't think so!

[ravevolution]

For some reason. . . wants an extra $12.50 per month to do an online payment. I don't think so!

My DELL Credit card is the same, they charge for making an payment online or via phone (in person or automated) which is like wth

With talk of 'paper less' statements and places like my bank and other credit card companies making it seem like the best thing cause it uses less trees/environmentally economical and easier to access since it's online, one would think there would be some cost savings that could be beneficial for the customer, guess not

[protege]

I've made a few major purchases--the refrigerator, laptop, tires, etc. with credit cards. I've only done that if there's a "x months, no payments, no interest" type of deal...and I've always paid them off quickly. For example, when I bought my laptop, it was one of those deals. Even so, I made the payments, and it's paid for now. Where people get into trouble, is that they'll sign up for it, and either forget, or not make any payments until the very end. Sorry, but doing that is just asking for trouble.

If you're careful, and know what you're doing, using credit isn't a problem. It's just the dipshits (and I'm being nice) who have no clue what's going on. These people see credit as free money, are constantly maxing out their cards and/or not paying the bills, and then bitch and moan when their credit rating is shit

[Gizmo]

I have a friend whose a bit dippy about credit too. Within two weeks of getting a job they were screaming and moaning that people expect you to be in work for 6 months before giving you a loan and what about this easy access lending that was supposed to be happening.

Up to that week they had stuff in pawn shops and were paying maintenance fees to stop them being sold. Also had maxed out all the possible "emergency assistance" loans they could be given through JCP in the last five years.

[Tama]

I wish I could get CCs too, but my credit is so new that I can't get it anywhere...

Maybe if I had a delinquent bill or two I could actually get credit.

[depechemodefan]

Wait, what? She gets a cc to pay for her tires, but she maxes it out buying something that is not the tires? I just feel our whole species collective iq went down 10 points with that woman. I just can't wrap my head around the idea that she used the card maybe no more than 1 hour after knowing she had to pay for her tires on something that maxed out the card.

or tv, which i absolutely MUST have for all my soap operas, reality tv and shopping channels. yep, a real brain buster right there.

I'm also thinking she might have a nice tv at home, but since it's a year old, she had to upgrade.

[PepperElf]

Somehow I think the only reason she came back to pay for it was because you had her DL info.

And it sounds like she was using the whole "it's the credit card's fault" to convince her boyfriend to foot the bill.