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Old 03-13-2011, 10:29 PM   #1
R8RFAN R8RFAN is offline
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You know what Daface, I have that receipt right here and I bought that TV on my Visa card on a Saturday in May because the bank was closed...

I did pay it in full as soon as the bill came in though...
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Old 03-13-2011, 10:33 PM   #2
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You know what Daface, I have that receipt right here and I bought that TV on my Visa card on a Saturday in May because the bank was closed...

I did pay it in full as soon as the bill came in though...
Then the only difference between you and me is that I do that for as many purchases as I can because I want the rewards.
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Old 03-13-2011, 10:34 PM   #3
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Then the only difference between you and me is that I do that for as many purchases as I can because I want the rewards.
I don't think that's the only difference
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Old 03-13-2011, 10:35 PM   #4
R8RFAN R8RFAN is offline
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Then the only difference between you and me is that I do that for as many purchases as I can because I want the rewards.
I do too, I do it on a perkstreet.com debit card and get 2% back on everything I buy now.... No fees, No interest EVER
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Old 03-13-2011, 10:42 PM   #5
Hog's Gone Fishin Hog's Gone Fishin is offline
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I do too, I do it on a perkstreet.com debit card and get 2% back on everything I buy now.... No fees, No interest EVER

What an idiot ! Debit cards take your money straight from your account. A credit card gives you 30 days to pay for it in full. Personally I've used the 0% credit card offers for over 25 years and NEVER paid a lick of interest. People that pay cash for everything and have to resort to debit cards are for the most part people that have no discipline.
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Old 03-13-2011, 10:43 PM   #6
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What an idiot ! Debit cards take your money straight from your account. A credit card gives you 30 days to pay for it in full. Personally I've used the 0% credit card offers for over 25 years and NEVER paid a lick of interest. People that pay cash for everything and have to resort to debit cards are for the most part people that have no discipline.
Just a warning: this has been discussed around here ad nauseum. He won't ever agree, so I'd suggest not wasting your time.
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Old 03-13-2011, 10:46 PM   #7
R8RFAN R8RFAN is offline
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Just a warning: this has been discussed around here ad nauseum. He won't ever agree, so I'd suggest not wasting your time.
You brought the damn subject up, don't run off like a bitch when it gets heated.
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Old 03-13-2011, 11:01 PM   #8
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You brought the damn subject up, don't run off like a bitch when it gets heated.
What the **** is wrong with you?
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Old 03-13-2011, 10:44 PM   #9
R8RFAN R8RFAN is offline
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Originally Posted by Hog Farmer View Post
What an idiot ! Debit cards take your money straight from your account. A credit card gives you 30 days to pay for it in full. Personally I've used the 0% credit card offers for over 25 years and NEVER paid a lick of interest. People that pay cash for everything and have to resort to debit cards are for the most part people that have no discipline.
I don't live from paycheck to paycheck dumbass, why do I need 30 days?
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Old 03-13-2011, 11:10 PM   #10
Hog's Gone Fishin Hog's Gone Fishin is offline
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I don't live from paycheck to paycheck dumbass, why do I need 30 days?
That's because you don't even have a job. You probably steal autos for a living.
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Old 03-13-2011, 11:13 PM   #11
R8RFAN R8RFAN is offline
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That's because you don't even have a job. You probably steal autos for a living.
I have been exposed
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Old 03-14-2011, 11:20 AM   #12
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Originally Posted by Hog Farmer View Post
What an idiot ! Debit cards take your money straight from your account. A credit card gives you 30 days to pay for it in full. Personally I've used the 0% credit card offers for over 25 years and NEVER paid a lick of interest. People that pay cash for everything and have to resort to debit cards are for the most part people that have no discipline.
That's great if you can do that and have the discipline to maintain that way of doing things. And I don't think even Dave Ramsey would have a problem with you doing that. You see, despite what many on here may think of him, he is actually pretty smart and handles each person on an individual basis. That being said, many Americans are in a lot of debt. And part of that is because they don't have the discipline to pay off the cc purchases every month.
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Old 03-13-2011, 10:45 PM   #13
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I do too, I do it on a perkstreet.com debit card and get 2% back on everything I buy now.... No fees, No interest EVER
Didn't you recently say you had a 6 figure bank account? You are exactly the person who would benefit from using a credit card as often as possible, to get more interest on your money that's just sitting there. I don't think you're a toothless moron, or whatever Dane said, but if you can't distinguish between credit card debt that you intend to pay off in full when the bill comes, and bad debt that can't ever be paid off because of poor judgement/purchasing decisions, maybe I should reconsider.

I wonder how much perkstreet is making off of your required $5,000 dollar daily balance...something tells me it's more than 2%.
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Old 03-13-2011, 10:51 PM   #14
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Didn't you recently say you had a 6 figure bank account? You are exactly the person who would benefit from using a credit card as often as possible, to get more interest on your money that's just sitting there. I don't think you're a toothless moron, or whatever Dane said, but if you can't distinguish between credit card debt that you intend to pay off in full when the bill comes, and bad debt that can't ever be paid off because of poor judgement/purchasing decisions, maybe I should reconsider.

I wonder how much perkstreet is making off of your required $5,000 dollar daily balance...something tells me it's more than 2%.
Finally, dude, that was spoken about as well as anyone here has ever posted... I can tell you are a really smart guy and I am sure Perkstreet is making money or they would not be in business... but to be completely honest, the reason I do not use credit cards is because I don't have to... I bank a few thousand every month and still do everything I want to do... I don't need to make more money and I just don't borrow money and that's the bottom line... Don't believe in it, hold no grudge against whomever does, it's just not for me...

Will I need to one day? Who knows what life will hold later on.... I hope not though..
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Old 03-13-2011, 11:00 PM   #15
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Finally, dude, that was spoken about as well as anyone here has ever posted... I can tell you are a really smart guy and I am sure Perkstreet is making money or they would not be in business... but to be completely honest, the reason I do not use credit cards is because I don't have to... I bank a few thousand every month and still do everything I want to do... I don't need to make more money and I just don't borrow money and that's the bottom line... Don't believe in it, hold no grudge against whomever does, it's just not for me...

Will I need to one day? Who knows what life will hold later on.... I hope not though..
I getcha, but in these days, you have to admit that attitude puts you in the extreme minority. But you are definitely not the first person I've met that thinks like that, so to each his own. I can't help but think of my boss, who also banks about what you do a month, but at the same time hasn't paid for a vacation in who knows how long (between credit card rewards and business trips accumulating FF miles). The best of both worlds.

I'm not trying to knock your financial methods, because honestly you're in a better position than I am because of them, it just seems unreasonable, IMO, to be so debt averse, when it has several positive qualities, and you can clearly pay it off every month. But, again, to each his own.
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