Topgearfanatic
is a Queen
This snow is pissing me off, really pussyfooting out!
Using a bank card (whether it's a debit card or a "check card") online is a really bad idea - most banks could give far fewer than two shits about getting things fixed in a timely fashion if you get scammed or something otherwise goes wrong. Which means that during the duration of the error, your money is tied up and can't be used for other things. Indeed, I know of several people personally who have had vendors abuse their debit cards and had the bank turn right around and say "Oh, that's too bad. You'll have to take it up with the vendor. We like overdraft fees, NOM NOM NOM"
Credit card companies, for all their ills, are actually extremely good at proactively detecting fraud and resolving issues. But even when they're slow as shit, it hasn't tied up any ACTUAL money. And that applies to prettymuch any credit card in the universe (except, perhaps, by reputation, those issued by HSBC - which includes the vast majority of store cards. HSBC in general hates the shit out of customers.)
Beyond that, if you step outside the safe, comfortable, accepted-anywhere, bank-issued realm of Visa and MasterCard and look at the cards issued by actual credit card companies (Discover and AmEx) credit cards become extremely useful tools. Discover cards are notorious for having some of the most productive rewards programs in all of creation, and AmEx members get free extended warranties and car rental insurance, and craptons more. They also hand out comparatively higher limits.
Bottom line, credit cards make sense and are a good idea - if you're a responsible enough human being to use them properly.
Does such thing as a Pre Paid credit card exist? Like a pre-paid phone but with a credit card? You'd transfer money into it every week so you can keep tabs on your spending and if you lose it or it gets stolen then you don't lose that much.
Does such thing as a Pre Paid credit card exist? Like a pre-paid phone but with a credit card? You'd transfer money into it every week so you can keep tabs on your spending and if you lose it or it gets stolen then you don't lose that much.
That's probably even more rare than the only earthquake I've ever experienced..... which was in Holland. :?FYI, this kind of thing never EVER happens here. Southern Illinois has a fault line, but is very stable.
Does such thing as a Pre Paid credit card exist? Like a pre-paid phone but with a credit card? You'd transfer money into it every week so you can keep tabs on your spending and if you lose it or it gets stolen then you don't lose that much.
Not haveing a credit card is very bad for your credit score. If you don't have a credit card you will really strugle to get much over a 700 FICO and are basically locked out of the Tier 0 and super Tier range that is 750 plus for most lenders.
To keep tabs on me and my spending I have a. ......
Wife - ouch if I transgress.
Does such thing as a Pre Paid credit card exist? Like a pre-paid phone but with a credit card? You'd transfer money into it every week so you can keep tabs on your spending and if you lose it or it gets stolen then you don't lose that much.
...and this is why I hate credit scores. Arrgh.A credit card is worth keeping around for your credit rating. Any good credit car won't have any fees if you don't owe them anything.
...and this is why I hate credit scores. Arrgh.
I figure I'll start to care about it once I'm out of college, but seeing how I don't have any money right now to begin with...ever......screw it.
Today's new discovery: old Smiths tachs can be effectively used in place of a hammer.
Earthquake in my area; I live in Aurora, about 25 miles from the epicenter.
http://www.cnn.com/2010/US/02/10/illinois.earthquake/index.html
I was awake when it happened; A bang followed by an even vibration for about ten seconds. I thought it was wind, since a snow storm was blowing itself out, and the way the houses are set up it creates a wind tunnel.
FYI, this kind of thing never EVER happens here. Southern Illinois has a fault line, but is very stable.