OT Credit card

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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.
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On 03/19/2016 03:59 PM, Ralph Mowery wrote:

Yep. I use my credit card for almost everything . The 1% I get back absolutely more than makes up for the silly mistake I made.
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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 games.
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!
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On 03/19/2016 03:42 PM, snipped-for-privacy@unlisted.moo 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.
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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.
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On 03/19/2016 05:00 PM, Ralph Mowery wrote:
[snip]

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.
--
Mark Lloyd
http://notstupid.us/
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On 03/19/2016 07:42 PM, Mark Lloyd wrote:

A lot different when I was a kid...my dad usually told the attendant:
Two bucks worth of regular.
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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 arrived.
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.
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On 3/19/16 2:05 PM, philo wrote:

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 of it.
--
It's every American's duty to support his government…but not necessarily
in the style to which it has become accustomed.
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On 3/19/2016 5:53 PM, Wade Garrett wrote:

I doubt he'd have to escalate things at all. I really believe one phone call would make the thing go away.
But he's chosen not to do so, and that's his right.
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On 03/19/2016 06:34 PM, SeaNymph wrote:

But I did email them... maybe they will get back to me.
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On 3/19/16 8:05 PM, philo wrote:

Call, don't email. The person to person interaction is the key. It's easy to ignore an email or send the standard #23 rejection reply. Much harder to say no on the phone.
--
Legal gun owners in the U.S. possess over 300 million firearms and
trillions of rounds of ammunition. Seriously people…if they were a
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On 03/20/2016 08:08 AM, Wade Garrett wrote:

I'll see if they reply... I used the bank's message center option.Since I've never had an issue before, it may or may not work.
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On 3/20/16 9:28 AM, philo wrote:

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.”

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On 03/20/2016 10:53 AM, Wade Garrett wrote:

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.
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call them and they will reverse the interest charge.
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On 03/20/2016 08:29 AM, taxed and spent wrote:

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
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On 3/20/2016 11:02 AM, philo wrote:

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.
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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.
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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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