With the cash back, you are loosing a lot of money each year. The cards I
have give from 1 to 3 % back and at times 5%. My Lowes card gives a 5%
discount. I put all that I can on the cards now and get back over $ 200
per year. Almost all my bill paying is by the internet banking and does
not cost anything.
Some campanies give you from $ 20 to $ 50 or more just to get their card and
use it to charge so much in a few months.
The credit union gives free checking to people over 55 or something like
that and so many free checks a year.
I do pay off all the bills on time so no service charge.
I make the credit card companies the suckers.
On Sat, 19 Mar 2016 16:59:31 -0400, "Ralph Mowery"
Yea, some people actually make a few bucks playing all these money
games, but it dont come free. You have to spend a lot of time making it
happen. It's just like people who spend hours every week cutting
coupons, then they waste a day or more, and waste a tank of gas driving
all over the city to save a couple bucks. NO THANKS. I dont have the
time, or any interest in playing "money games". When I need something, I
go to a store, look for the best price/deal on the shelf, buy it. Then I
get out of the store as quickly as possible, and get on with more
important things. Spending a hour and a gallon of gas is NOT saving
anything. All it does is make money for the companies that offer these
Back when I had credit cards, I did get some cash back. A few pennies
here, a couple dollars there, and it looked good at first, even if was
not all that much money. I soon learned that the CC companies did
everything possible to get that money back, and more.... Like charging
$11 for a 2 cent error, saying my payment was late, when I damn well
knew it was not, and so on....
I have no need for frequent flyer miles, you would not get me on a plane
if you paid me to do it. I dont like heights! I dont rent cars, I own
one. I dont stay at motels, I have a tent and love camping, and sleeping
under the topper on the back of my pickup truck dont bother me at all,
if I cant pitch my tent.
I also do no online payments, or do anything online having to do with my
money, such as online banking. It's all too risky, and despite all the
lies these compamies feed people about security, it's just that, A LIE!
But CC companies, and any other companies will make up any lie and
excuse to get people's money. I find all these games repulsive. And I
dont live the "fast paced" life that some people do. I have a farm to
run, and animals that need my care. My idea of fun is going to a local
festival, or seeing a local band play at a nearby bar. My vacations
consist of driving no more than 200 miles and camping with my horse for
a weekend, or just riding my horse to the state forest, which is 12
miles from home, and spending a night under the stars.
So, spending $7.50 a year for blank checks in nothing, compared to all
the time and hassle, not to mention the risk of all the credit cards and
online risks that goes along with it.
However, your reply was beneficial. I have to thank you for reminding me
that as of my last birthday, I am now eligable for FREE CHECKS, since I
an now legally a "Senior". I completly forgot that my bank told me a
year ago, that as soon as my next birthday arrives, I'd be eligable for
that.... Thanks for reminding me!
On 03/19/2016 03:42 PM, firstname.lastname@example.org wrote:
A credit card is an absolute necessity. I could not possibly go on a
vacation without one.
I could bring a million dollars cash into a car rental agency and not
get a car.
The mistake was on my end and though the fee was kind of absurd for
missing two cents in payment...not quite the end of the world.
I order a lot of things off the internet or by phoning it in and need a
credit card for that too. I don't use the debit type cards.
Getting gas for the car is a hassle with out a card because many places
make you go inside, leave some cash then go out to the car, pump the gas and
go back in for your change if any.
On 03/19/2016 05:00 PM, Ralph Mowery wrote:
I have a card now (and nearly every station allows it at the pump), but
remember a time when I didn't and lived in a place where they did that
(pay in advance). Instead of filling the tank, I would try to pick a
dollar amount as high as possible without going over (I though of game
shows just then) and they would stop the pump after that much. That way,
there would be no change to go back for.
I always found it cost the same to fill the top half of the tank as
the bottom half, and have NEVER run out of gas on the road except for
the trip tp Mbereshi Zambia where both jerry cans were only good
enough to get me to within about a Km of the gas station coming back,
and I managed to coast in.
I pumped hundreds of thousands of gallons of gas in the 46 cent a
gallon range as a young fellow, and $5 was enough to fill the tank and
drive all weekend.. I remember when gas first went over the $1 per
gallon - and the pumps couldn't handle it so we set the pumps to half
price and doubled the total price - untill the new Metric fuel pumps
The price of gas was up and down a cent or two a gallon sometomes
twice a dat so I chained a ladder to the signpost so I didn't have to
carry the ladder out every time the price changed.
Call their customer no-service number, politely remind them what a good
customer you've been for lo these many years, pleasantly request they
waive the fee. Keep escalating until you get to someone who takes care
It's every American's duty to support his government…but not necessarily
in the style to which it has become accustomed.
The Messages Center is in Bangalore, India. It is staffed by six
sandal-wearers working 11 hours a day earning whatever the prevailing
minimum wage there is. The Artificial Intelligence software on each
"CSR's" computer scans your message for meaning-- then replies with a
canned apology, a few platitudes, and the #23 rejection form.
The computer operators have little if any understanding of our business
culture/customs. They have even less leeway to override the program to
make an exception and deal directly with customer requests or gripes.
They are soundly chastised if they go to the supervisor with more than
one override request per shift. And your guy already used his for some
unmarried hottie sari-wearer living in downtown Bangalore.
I'm thinking you're exhibiting a moderate case of what sales managers
refer to as call-reluctance;-)
“Eric Stratton, Rush Chairman, damn glad to meet you.”
Although I have not called the bank that issued this credit card, I
recently did call one of my other banks and got a real , local person.
Probably because it saved him work, he set me up for a self-managed
investment account which now saves me fees.
Not all banks are bad however I did have an odd experience with one:
They would not allow me to deposit a check made out to both me and my
wife...even though we were both there with our IDs.
The account was just in my name and they said we'd have to open a
separate joint account.
I just closed it out and went elsewhere.
Ok ...even though I said I was not going to waste my time and call...
since almost everyone here has urged me to do so...I probably will if
they don't answer my recent email.
I'll give them a few days though
It matters not to me, but out of curiosity
http://www.percentagecalculator.net/ looks like it's around 25% a year
and since it was February a bit more. Me? I pay on the company's
website, I review the statement and click the pay the lady button then
confirm. Please whatever you do don't be the person in front of me in
the checkout line writing a check and balancing their checkbook, those
are worse than old ladies and their penny purse.
I cut up my Discover card up and sent it with the final payment a few
years back over a dispute they screwed me out of. They still send me a
"we want you back" letter every month or two weeks and I feed the paper
shredder with it.
I've got a friend and his wife really works the credit card system,
they usually get enough free miles/year to fly to Mexico and back. She
has the time and inclination to mess with that kind of thing, I sure don't.
On 3/20/2016 3:29 PM, My 2 Cents wamazon card. rote:
Last year I finally gave in and got a Chase/Amazon card. I get 1, 2, or
3% back depending on where it is used. They paid me $45 to get the card
and it does not take long to get another couple of hundred more.
Up here in the "great white north" we have a cpmpany called Canadian
Tire. Big hardware/houseware/auto parts store. They also have gas
bars - and all the gas stops on the major 400 series highways are run
by them. They offer a "gas advantage" mastercard which, when used to
buy gas, gives you a minimum 2 cent per liter price reduction on fuel
purchaces - up to 8 or 10 cents depending how much you have charged to
the card in the previous month. Right now I'm getting 8 cents off per
liter. I don't care what the interest rate is, because I never carry
a ballance and have not paid mare than $2 interest in the last 10 or
more years.. They keep upping my credit limit to the point I could buy
a pretty nice car with it.
We also have a large grocery chain that operates it's own "bank" and
offers a mastercard that gives points on all purchaces that can be
cashed in for free groceries. I use it for all my business purchaces -
sometimes $10,000 in a month. That's $100 in free groceries.
Purchases in their store and at other select retailers give double
points - so just buying groceries with the card gives a "discount".
Again, we never carry a balance - I don't have to carry cash, and I
don't need to have a charge account at my suppliers - and don't need
to use checques - which cost me close to a dollar a piece on my
business account. I use one cheque a month to pay the credit card.
And I never pay interest.
The banks "bank" on people carrying a ballance and paying 20+% APR on
the balance. Those who do are paying me to use the card - and I'm not
complaining. It gives me an excellent AAA+ credit rating and an
incredible credit limit.
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