July 10, 2009
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I'm wondering what would happen if everyone just upped and decided to stop using their credit cards. Cash for everything. I bet the banks would find a way FAST to accommodate these people.
This is why CCs are for EMERGENCIES ONLY. I don't know how many times I've posted that here.
Posted by: Jamie in NC | July 10, 2009 at 12:53 PM
"this is why CCs are for EMERGENCIES ONLY?" By "this," I assume u mean the subject of the article which talks about increasing APR's.
Let me explain something to u, Jamie in NC. CC's can be great if you know how to use them. Most CC's dropped their annual fees, even for all the reward cards.
I love credit cards because they give me Target and Home Depot gift cards, airline miles, 25 days to pay with no interest, 0% no fee balance transfers for short term cash loans,free buyer protection/insurance, free travel assistance, the ease of mind that you are not carrying a wad of cash in your pocket, the ability to contest fraudulent charges with ease, the ability to buy airline tickets and other things online, a way to build up your personal credit, discounts on gas, cell phones, groceries, etc, and so much more!
If you are using a credit card for emergencies only, I have no idea why. If you are responsible, they can be quite handy and profitable.
Yes, if you are irresponsible and charge more than you can afford, you can run into all sorts of problems, BUT if you know what you are doing, they can be awesome!
Use your cash, but I still like my credit cards. Hell, I love them!
Posted by: Credit card user for 20 years! | July 10, 2009 at 04:40 PM
James there are those of us who use credit to run our companies...such as payroll and supplies and vehicles...thats how small "BIZ" stays a float , but I do make sure the cards get paid before I do...and as C C U F 20 years said use cards wisley...my Home Depot master card pays me well in points wich I turn into gift cards and then buy SUPPLIES for my next big contract and that becomes CASH 4 me:)
Posted by: not dead yet | July 10, 2009 at 06:55 PM
Getting a Credit Card for more Debt's. Its a dead link. :D
Posted by: Earthen | July 12, 2009 at 06:16 AM