Credit Cards - Too many to choose from
Comments
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No, he has no valid points (or common sense), but trying to argue with him will get you nowhere so you might as well just ignore him.
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Anyone not utilizing credit these days are not making the most out of the money they have. I normally lock in at least an extra $500 or so a year income just by utilizing credit card deals. Also, I don't have to worry about fraud. Someone takes my cash, its gone. Someone charges on my account, I just have to make a phone call (assuming they don't call me first).
madmaxVinyl, the final frontier...
Avantgarde horns, 300b tubes, thats the kinda crap I want...
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Benefits of cash:
1. Immediate transaction
2. No future payments required
3. Anonymous (virtually untraceable) funds
4. No brainer... you either have it, or you don't
5. Nobody charges extra for paying cash
6. Its accepted by all for all debts public and private
7. I like the color green.
8. Its good to remember the past presidents for their public service.
9. I also like to ponder the meaning of the eye on the top of the pyramid.
10. You can't tuck a credit card.
You can't tuck a credit card under a stripper's g-string. Or at least shouldn't!
But seriously, I do know people that don't have them . My parents never did-they grew up
during the depression and didn't go for the idea. Would going debit card instead be better?
Perhaps. Should a lot of people not have one? Absolutely. If only the credit industry
didn't have a lock on things where all merchants could offer a discount without having
a lawyer moment. But as things are today, use them wisely, and no harm, no foul."The legitimate powers of government extend to such acts only as are injurious to others. But it does me no injury for my neighbour to say there are twenty gods, or no god. It neither picks my pocket nor breaks my leg." --Thomas Jefferson -
No, he has no valid points (or common sense), but trying to argue with him will get you nowhere so you might as well just ignore him.
Facts:
1) About 43% of American families spend more than they earn each year.
2) Average households carry some $8,000 in credit card debt.
3) Personal bankruptcy rates have doubled in the last decade.
You don't think there are social costs that you pay because of credit cards? Or, are you simply unable to defend your position in an intelligent discussion? -
That's like saying prescription drug meds should not be used because of the problems associated with their misuse.
It takes two to have an intelligent discussion, unfortunately you don't qualify. -
That's like saying prescription drug meds should not be used because of the problems associated with their misuse.
Really now? I'm sure a diabetic would disagree with you when you compare the social value of prescription insulin to the social value of VISA. -
Joe: Hi Bob, how's everything?
Bob: Not so good..you know I caught my wife making love to another man in the couch.
Joe: NOOOOOO. That sucks. So what are you gonna do????
Bob: Well, I took care of it. It won't happen again.
Joe: Really? What did you do?
Bob: I gave the couch away._________________________________________________
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2008 & 2010 Football Pool WINNER
SOPAThank God for different opinions. Imagine the world if we all wanted the same woman -
Your obliviousness is truly astounding. Your earth is flat mentality might be working for you, but please, the rest of us are actually capable of thinking for ourselves. Can you truly not see when you are both not wanted or needed?
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No, he has no valid points (or common sense), but trying to argue with him will get you nowhere so you might as well just ignore him.
Obviously, you are incapable of even taking your own advice... let alone providing it to others. -
Ron,
POG's point is you just effectively countered your own stupid argument. If you can't even keep you point consistant, how can anyone discuss it with you intelligently?
The stupid people in CC debt are the same stupid people that are putting drains on the economy in other ways. They would be there whether or not CC's existed. Oddly enough, it's only when you remove all socialist policies that these folks stop being a burdon. This is interesting since your opposed to these people being a drain on society yet you support the very policies that allow them to do it.... Again, even more hypocracy....There is no genuine justice in any scheme of feeding and coddling the loafer whose only ponderable energies are devoted wholly to reproduction. Nine-tenths of the rights he bellows for are really privileges and he does nothing to deserve them. We not only acquired a vast population of morons, we have inculcated all morons, old or young, with the doctrine that the decent and industrious people of the country are bound to support them for all time.-Menkin -
Obviously, you are incapable of even taking your own advice... let alone providing it to others.
Nah, you see, I grasp the fact that your mind is too simple to understand valid arguments and therefor don't bother to try to explain things to you. My posts directed at you are merely attempts at making it more uncomfortable for you here, in hopes that you might decide to direct your idiot parade of comments to another thread. But alas, I see your mental dysfunction has also affected your social inclininations as well, and you seem to derive pleasure in interacting with those who find your banter annoying. So please, drivel on... -
jdhdiggs,
Even the UAW encourage its members to avoid consumer debt at all costs. They want their membership financially strong so that they can hold their own in a strike. Forgive me, but I just don't see the hypocracy. Yes, stupid people put drains on the economy via credit card debt. I am against enabling the credit card system to exploit these stupid people. And, by your very definition, the vast majority of americans are stupid people (since they have credit card debt).
It is possible to be pro-American, pro-Union, and against dead beats. I am especially against big business that exploits stupid people via HUGE credit card fees/rates.
Quite honestly, the investors, bankers, big government, executives, lawyers, etc are the ones that truly are the burden for your average joe working hard for a living. If you add value to something: build a house, repair a pipe, build a car, dig a ditch, etc, you are a producer. If you simply exist without actually performing physical work that is sold to the public, there is a high probability that you are part of the problem rather than part of the solution. Generally speaking, the higher your pay, the more likely that you are drain on the economy. -
Hey everyone, look! Something shiny!If you will it, dude, it is no dream.
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Ah, got it, this is the result of your UAW brain washing, got it, that explains the lack of logic and common sense...There is no genuine justice in any scheme of feeding and coddling the loafer whose only ponderable energies are devoted wholly to reproduction. Nine-tenths of the rights he bellows for are really privileges and he does nothing to deserve them. We not only acquired a vast population of morons, we have inculcated all morons, old or young, with the doctrine that the decent and industrious people of the country are bound to support them for all time.-Menkin
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Never underestimate the brain-washing capabilities of big business. Free your brain of "programmed thought patterns" and you will see that it only makes sense to support your co-worker in a union. Divide and conquer is the mentality of big business. UNITED is the underlying theme of the Pledge of Allegance that you recited as a child. It only took 4 years of college programming to convince you otherwise and make you think that its good to buy imported cars from Korea.
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Wow, you just totally don't get reality do you?There is no genuine justice in any scheme of feeding and coddling the loafer whose only ponderable energies are devoted wholly to reproduction. Nine-tenths of the rights he bellows for are really privileges and he does nothing to deserve them. We not only acquired a vast population of morons, we have inculcated all morons, old or young, with the doctrine that the decent and industrious people of the country are bound to support them for all time.-Menkin
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Ron, have you ever considered moving to Cuba?_________________________________________________
***\\\\\........................... My Audio Journey ............................./////***
2008 & 2010 Football Pool WINNER
SOPAThank God for different opinions. Imagine the world if we all wanted the same woman -
He'd be more at home in Venezuala or ChinaThere is no genuine justice in any scheme of feeding and coddling the loafer whose only ponderable energies are devoted wholly to reproduction. Nine-tenths of the rights he bellows for are really privileges and he does nothing to deserve them. We not only acquired a vast population of morons, we have inculcated all morons, old or young, with the doctrine that the decent and industrious people of the country are bound to support them for all time.-Menkin
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No, he wouldn't last too long in Venezuela. There's still a strong resistance to socialism down there._________________________________________________
***\\\\\........................... My Audio Journey ............................./////***
2008 & 2010 Football Pool WINNER
SOPAThank God for different opinions. Imagine the world if we all wanted the same woman -
Wow, you just totally don't get reality do you?
Sure I do. Reality is no credit card debt. That's better than the majority of Americans. -
Most of us have a lot of credit available. I have some friends who believe it is more important to use the available credit and get what they want today rather than doing without. I guess I can see it in some aspects. Personally I just pay the bill at the end of the month but to each their own.
"Even the UAW encourage its members to avoid consumer debt at all costs. They want their membership financially strong so that they can hold their own in a strike." Is that really a point in favor of the UAW?? What a crock. Wouldn't it be better to put effort into being well trained so you can move on quickly with another job when necessary?
Just a few other points to ponder when considering credit.
madmaxVinyl, the final frontier...
Avantgarde horns, 300b tubes, thats the kinda crap I want... -
Who says Automakers aren't well trained? (A lot of those jobs are actually pretty difficult - especially when you have to do them ALL DAY LONG - EVERY DAY).
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Never underestimate the brain-washing capabilities of big business. Free your brain of "programmed thought patterns" and you will see that it only makes sense to support your co-worker in a union. Divide and conquer is the mentality of big business. UNITED is the underlying theme of the Pledge of Allegance that you recited as a child. It only took 4 years of college programming to convince you otherwise and make you think that its good to buy imported cars from Korea.
Better to abandon the brain-washing of big business for the brain-washing and inefficiency of unions!If you will it, dude, it is no dream. -
bobman1235 wrote: »Better to abandon the brain-washing of big business for the brain-washing and inefficiency of unions!
Better yet to think for yourself. Then, the wisdom of unions will become readily apparant. -
Better yet to think for yourself. Then, the wisdom of unions will become readily apparant.
Someone help me out with this, is this a hypocritical or oxymoronic statement or ist it something else entirely?
There is no genuine justice in any scheme of feeding and coddling the loafer whose only ponderable energies are devoted wholly to reproduction. Nine-tenths of the rights he bellows for are really privileges and he does nothing to deserve them. We not only acquired a vast population of morons, we have inculcated all morons, old or young, with the doctrine that the decent and industrious people of the country are bound to support them for all time.-Menkin -
Seriously guys, let this thread die. I asked for help on "better credit cards." Not a student card like audiobliss, but better cards with benefits, etc. I got my questions answered, I picked out a card, I applied, I got approved. End of thread.
Yes, we all realize that rskarvan has ridiculously skewed views of credit cards and his position won't change. However, we can all see he is a hypocrit since he allows his WIFE to have a credit card. He doesn't have a grasp on reality, there is nothing we can do.
Let it die.... -
Here is a simple thing to follow when it comes to credit card that any financial person will tell you.
You should have an emergency fund of money in your bank in cold hard cash for emergencies. Something on the order of 3 months wages. Way too many people think that having a large credit balance is the way to cover themselves for an emergency which end up getting charged up what you want that new 60” TV
99% of people will have a harder time handing someone $1000 in cash then $1000 in credit. Theres something about paying Cash money that makes you think harder about spending it.Testing
Testing
Testing -
BaggedLancer wrote: »Seriously guys, let this thread die. I asked for help on "better credit cards." Not a student card like audiobliss, but better cards with benefits, etc. I got my questions answered, I picked out a card, I applied, I got approved. End of thread.
Yes, we all realize that rskarvan has ridiculously skewed views of credit cards and his position won't change. However, we can all see he is a hypocrit since he allows his WIFE to have a credit card. He doesn't have a grasp on reality, there is nothing we can do.
Let it die....
Have you hit your cards limit yet?:D -
Here is a simple thing to follow when it comes to credit card that any financial person will tell you.
You should have an emergency fund of money in your bank in cold hard cash for emergencies. Something on the order of 3 months wages. Way too many people think that having a large credit balance is the way to cover themselves for an emergency which end up getting charged up what you want that new 60” TV
99% of people will have a harder time handing someone $1000 in cash then $1000 in credit. Theres something about paying Cash money that makes you think harder about spending it.
I think you should have at least 6 months salary saved, better yet, a year or more. Three months salary won't go far these days for real emergencies.
And for those of us that pay our cards off every month, it feels no different to hand someone $1000 cash, than it does to hand them the card, if you don't have the money, don't buy it. Simple really.
And I'm way more comfortable carrying a credit card in my pocket (on vacation for instance) than I am walking around with $1000 in my pocket. -
BaggedLancer wrote: »Seriously guys, let this thread die. I asked for help on "better credit cards." Not a student card like audiobliss, but better cards with benefits, etc. I got my questions answered, I picked out a card, I applied, I got approved. End of thread.
Yes, we all realize that rskarvan has ridiculously skewed views of credit cards and his position won't change. However, we can all see he is a hypocrit since he allows his WIFE to have a credit card. He doesn't have a grasp on reality, there is nothing we can do.
Let it die....
Your an idiot if you think that I would even dream of "allowing my wife" anything. She is a responsible adult and can make her own decisions. Your thoughts that a husband "allows a wife a credit card" is way more skewed than my thoughts that credit is a bad idea.
I suspect that you'll have far bigger problems in life than credit card debt.
