OT: Last time I'll set foot in Home Depot

============================= The Credit card bill that comes in the mail on Monday I pay on Tuesday..

WITH ONE EXCEPTION.... My Exxon credit card...!

Exxon/Mobile bills me the same day they receive my payment... If I receive the bill today pay it tomorrow I will get another bill in in the mail by the end of the week... SO I wait until a few days before it is due then pay it... just saves stamps and checks... lol

When I was a young man (I am not now..lol) I used to pay my Sears bill (you know the one where I had charged all those Crapsman machines to) at the store itself on the day it was due... The Major reason was that it gave me a chance to wander around the tool section and dream...(hey this was in the early 60's and Crapsman was just about the only show in town.. I was young ..I was dumb..and I had very little money

I did this UNTIL Sears "declared me a SLOW payer" because I always paid late...seems they do not credot your payment until it actually gets to their home office not when the local store receives it... That was a Lesson I never forgot about "store issued credit cards"..

Bob Griffiths

That would be against the law. You'd need to look at the original "Agreement to Terms" contract you signed when you either applied for or received the card.

Don't feel badly about this one - we've all done that at one time or another in our lives.

Nope - interest is money paid for money "borrow" (after all - that's what credit really is - "renting money."

I have a Lowe's card and a Visa. They both have the same conditions. I wouldn't put any blame on Home Depot - take it on the chin. The thing to do is to build a wooden tray and put your "bills to be paid" in it. This way you get to relate this whole thing to wood, solve the problem with wood, and continue to use the Borg as your needs require.

Jim (who's been there and done that)

I guess it is the card you end up with.. I have a Citibank card and a GM Card. I have a 21 grace period with both and usually get them 10 days before they are due. Never have had a late fee, or interest and my limit keeps going up. I always pay them in full each month and I get $1,000's in credit each time I buy a new or used vehicle.

That makes no sense to me. I buy everything I can on credit card that has a kick back in airline miles, then pay the amount in full every months so I don't pay any interest.

Every $25,000 I spend I get a free round trip airline ticket anyplace in the US or a few places in Canada, every $55,000 a round trip ticket to Europe. If you are middle to upper middle income, you can cycle a lot of money through Visa each month. The grocery store even takes it now.

FWIW, I fist got a credit card about 20 years ago, and while I've made a few late payments over the years, I've never had a credit card company refuse to waive the late fee after a simple request by telephone.

On Wed, 24 Sep 2003 07:44:32 -0700, Rico pixelated:

Don't forget that a lot of cards give you double the warranty on everything purchased with them, and the fact that returning something purchased on a card is much, much easier if it turns out to be a lemon.

---------------------------------------------------------- --== EAT RIGHT...KEEP FIT...DIE ANYWAY ==--

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i have one credit card. everything gets put on it. i probably spend

Rico, that is what I do...

If you drive a car and buy cars, you might want to consider the Citibank card. It pays 2% of all purchases towards a used or new car of any brand. Or the GM Card which pays 5% towards a GM car or any its line of companies.

Wed, Sep 24, 2003, 7:44am (EDT-3) snipped-for-privacy@tree.oak (Rico) claims: That makes no sense to me. I buy everything I can on credit card that has a kick back in airline miles, then pay the amount in full every months so I don't pay any interest. Every $25,000 I spend I get a free round trip airline ticket anyplace in the US or a few places in Canada, every $55,000 a round trip ticket to Europe. If you are middle to upper middle income, you can cycle a lot of money through Visa each month. The grocery store even takes it now.

Damn well makes sense to me. I don't have the bucks to pay off a credit card every month. I have a fixed, limited income, and get an emergency every once in awhile that would prevent me from paying it. New tires for the truck a couple of weeks ago, brake work today. Miss a payment, instant credit card debt. No thanks, been there, done that.

Besides, I don't fly anymore. And, damn sure wouldn't be flying out of the country, even if I did. Debit card works for me, same as cash, and if I don't have the money in the bank to cover it, I don't get it. Simple.

Sounds like to me you think all of us are middle to upper middle income, whatever that means. It ain't so.

JOAT The whole of life is a learning process.

- John Keel

Life just ain't life without good music. - JOAT Web Page Update 23 Sep 2003. Some tunes I like.

Also rental car insurance and a lot of leverage when you are dealing with a merchant or service provider who won't live up to their obligations. And $5,000 free life insurance from my Visa provider.

People without the self discipline to not spend more than they can pay off at the end of the month are wise to not use a credit card. I have a few in my extended family that could learn from you.

I'm glad you got into a counseling program. But please don't project your weaknesses onto others. You already admitted that you have a problem controlling your spending. Not everyone has the same problem. And, as much as you would like to feel it is true, it couldn't happen to everyone. Millions of people manage credit sensibly throughout all their adult life.

Dennis Vogel

I used to have a HD card. My plan was to pay for materials with the card and pay the bill at the customer service desk after I got paid for the job, but HD could not take credit card payments in the store. I closed the account because there was no convenience or advantage for me. Roger Poplin dba snipped-for-privacy@aol.com

I've got a capital one card and never have had a problem but since credit cards are a bear trap with a hair trigger, I tend to over pay so that they don't want me to pay them so I can't be late. Anyone getting a bill with a payment required of 0.00 will understand.

Wes

Fred McClellan wrote:

Fair and true. Point taken. I'll quit whining.

Isn't there a class action law suit going on against GM for instructing their dealers to disallow the GM credit card discount on new vehicles? I seem to recall the law suit stems from GM instructing the dealers to tell buyers "The plan doesn't apply to that model", etc..

-- Jack Novak Buffalo, NY - USA

Cut up the damn card and pay cash ! ! ! It's just as good as money ! ! ! Or get a debit card ! ! ! Credit cards are stupid ! ! !

Write a letter explaining how they were wrong to nick you for that fee. They may waive it.

Sometimes it happens that things are delayed in the mail. Not often, but sometimes.

After that fee is waived, cancel the card if you really don't like them.

HOW is a debit card less stupid than a credit card? Or does a debit card prevent you from being stupid...