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#71
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"Chuck" wrote in message
om... "Paul Tomblin" wrote in message ... In a previous article, "Chuck" said: "Paul Tomblin" wrote in message ... Anybody who carries a balance on any credit card is an idiot or a sucker. Or isn't as wealthy or well off financially as you are... Nobody is *forcing* you to buy what you can't currently afford, you know. Back before credit cards existed, people actually saved up money ahead of time for major purchases, instead of all this "buy now and pay later" instant gratification stuff. Ya know... I didn't say that paying the balance off was a bad thing. I guess what kinda ticked me off about your post was you said that people were idiots or suckers for not paying the balance. I merely pointed out that some people can't do that. If I get a new job and have to go to Sears and buy $2,000 worth of tools, I will not be able to pay the balance off in one month. But I gotta have the tools if I want the job. If I had to buy $2K worth of anything to get a job, I'd be much more worried about which column they'd go in for the deduction off my taxes. Jay |
#72
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"Andrew Sarangan" wrote in message
... "RS" wrote in news:m3opd.97109$5K2.54232@attbi_s03: If you have an AOPA/MBNA credit card then you should check the APR on your last statements. MBNA has been raising the APR on AOPA cardholders, even if you pay on time. Even if you pay on time? I always paid each month in full and was never charged a red cent. Do you have a reference to back up your claim? People are really not too smart around here. Paying on time means paying at least the minimum payment, on time. From what I hear, MBNA recently changed a bunch of AOPA customers from fixed interest rate to variable with a fine print clause which basically said.. "we are changing you to variable rate unless you send us letter of objection within X days". And when people called MBNA to find out whether this meant a rate change was coming, they said "NO" on the phone... but a rate change was instituted anyway |
#73
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Jay Beckman wrote:
If I had to buy $2K worth of anything to get a job, I'd be much more worried about which column they'd go in for the deduction off my taxes. Unreimbursed Employee Expenses IIRC, Form 2701 off the Schedule A |
#74
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"Blanche" wrote in message
... Jay Beckman wrote: If I had to buy $2K worth of anything to get a job, I'd be much more worried about which column they'd go in for the deduction off my taxes. Unreimbursed Employee Expenses IIRC, Form 2701 off the Schedule A LOL... I knew someone would offer up the exact information... Jay |
#75
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Don't confuse Matt with the truth. He is still trying to convince people
that our 18th century founding fathers felt that any 21st century alcoholic with an assault rifle is a member of some nebulous "militia". Earl G "mike regish" wrote in message news:8Wtpd.391984$wV.154119@attbi_s54... Yeah. Like Bush has taken full responsibility for getting us into Iraq under wrong and false pretenses. Wasn't HIS fault. It was bad intel. Yeah...that's it...bad intel. That's the ticket. Oh...wait...Bush isn't a liberal, is he? Get back on your meds, Matt. mike regish "Matt Whiting" wrote in message ... Casey, you obviously don't understand liberals. They feel that they shouldn't have to take responsibility for their actions, but rather be protected and looked after by the government. Matt |
#76
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I've wondered that too. We put everything we buy (even my daughter's
college tuition) on our Discover (and pay it off next month, of course) and get the cashback discount. Keep a Visa and American Express for the few places that don't take Discover (like Costco). I always figured that Discover charges the merchant more than Visa... but your posting suggests otherwise. Rich Jay Honeck wrote: Here's another credit card mystery: Why the hell does ANYONE use any card but Discover? Everyone else charges to use their cards, while Discover actually PAYS you to use their card -- yet they are a distant third or fourth in the industry. |
#77
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On Fri, 26 Nov 2004 02:58:02 GMT, "Steven Barnes"
wrote: Discover is nasty about this. My ex is in debt up to her @$$. One card is a Discover. Cash advances were at a horrific 20-30%. Purchases were lower, but still in high teens. Majority of balance was purchases. She had money to pay off the cash advance portion, since that was eating her alive. Dickscover wouldn't allow it. "Pay off the purchase balance first, then you can pay off the cash advance portion". She wont have the purchase stuff paid off for years. Great income for Dickscover. Discover is just nasty. I moved. Called Discover to change my address. Got 2 statements with the new address, then didn't notice I didn't get a statement, then next month got a statement which showed a $42 30 day overdue balance. I called them to figure out what was going on and they sent me a reprint of the statement, which had the old address on it. No idea why the post office didn't forward it, but I digress. After griping to them about a late column entry because of their mistake they basically told me to take a leap. Couple of months later I picked up my credit report and found that they had actually reported me as 30 day late on a whopping $42 balance because they mailed the statement to the wrong address, even though their computer had done statements to the correct one in the intervening period. Then, even though it was their fault and I had never carried a balance before that month, they refused to remove the entry from my credit report. I closed my account on the spot. |
#78
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Well, the rate on an auto or home loan is fixed by the contract, silly!
Or else it is specifically bound by the contract to whatever increases that are in the contract. Just like the rate on your credit card is variable according to the contract you signed when you applied. You DID read what you agreed to, didn't you? If you didn't agree with it, why did you sign the application? BTW, in fact I do not have ANY debt outstanding. It's fun to tell that to people calling offering re-financing. I'm not rich (except in name)... just frugal. And frankly, I don't care whether I impress you. Frankly, you don't impress me, much. Rich RS wrote: What would you do if they hiked the APR on your auto or home loan just because they felt like it, even if you had a perfect payment history? Well, that's what the credit card companys are doing now - they are changing the rules mid-stream. Credit is credit - regardless what it is for. You guys on your high moral horses about paying credit cards off every month do not impress me (unless you have zero credit - no home, auto, commercial loans at all). |
#79
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(Paul Tomblin) writes:
In a previous article, "RS" said: If you have an AOPA/MBNA credit card then you should check the APR on your last statements. MBNA has been raising the APR on AOPA cardholders, even if you pay on time. Anybody who carries a balance on any credit card is an idiot or a sucker. The credit card companies hate me because I haven't paid a cent of interest to any of them in 3 years. I get about 5 envelopes full of Visa checks every month (as well as come-ons for new cards) because they want to sucker me into that debt cycle. Paul is what the credit card industry calls a "deadbeat".... When the banks started the cc: industry in the 60's; they used to cancel such people. Federal regulations somewhat constrain them now. There was a Frontline on the cc industry just last week. See if your PBS station is rerunning it. -- A host is a host from coast to & no one will talk to a host that's close........[v].(301) 56-LINUX Unless the host (that isn't close).........................pob 1433 is busy, hung or dead....................................20915-1433 |
#80
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Matt Whiting writes:
Actually, there are lots of other valid reasons. One is that in many places you can't do things like rent a car without plastic. Many car rental places won't take cash. Years ago, Hertz wouldn't even allow a _2nd driver_ who didn't have one. They gave me all kinds of BS reason. -- A host is a host from coast to & no one will talk to a host that's close........[v].(301) 56-LINUX Unless the host (that isn't close).........................pob 1433 is busy, hung or dead....................................20915-1433 |
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