Going to the world with no CC.

[donalduck]

While I do not think that credit cards are evil, I think I understand where that particular poster was coming from. A lot of people just don't quite "get it" that they have to pay that money back. If they don't pay it back in full, they have to pay interest. They don't quite get the fact that a credit card is essentially a loan.

With that said, as a person who has previously gotten into trouble with debt, the past 5+ years I have rebounded beautifully. I now **wisely** use credit and do not use more than I can afford to pay back. I use my CC all the time for groceries and gas because I earn cash rewards and points. So, as long as CC's are used **wisely** they are perfectly fine.

For what it's worth, I do not travel anywhere without a high limit credit card. Even if I'm going out for the night and carrying a clutch bag or a wristlet, I always pop a high limit credit card into my bag because you just NEVER know!

While I may have the cash to pay for certain things, I might now have it accessible right this very moment when my car breaks down and I need to pay for a tow. However, I can put it on my CC, transfer the money out of savings into my checking account, and pay off the CC in full.

2nd, for those of you that do operate in cash only and do not even have a checking account, do you realize how much extra you pay for cash only?

-ATM fees
-Money order fees
-Someone mentioned paying bills w/CC add on extra fees
-Western Union, other wires
-Stamps & envelopes
-Etc

I pay all of my bills through my bank's online bill pay. I don't ever have to buy stamps and a book of 40 checks has lasted me almost 3 years. Another reason to always use my check card or credit card everywhere.

To each their own, but for my personal circumstances, I couldn't live or even feel comfortable traveling without a credit card.

boy you have all the answers don't ya.

 

[Irin997]

You think your pretty funny huh ICF. You should try out for a show on the comedy channel. Once your almighty credit cards that you worship so much screw you over which they will it is only a matter of time don't come crying to me.

boy you have all the answers don't ya.

Why are you being such a jerk? There was nothing wrong with my response. It was my point of view. And not to mention, I acknowledged your point of view as well. Someone woke up on wrong side of the bed today.

 

[ICF]

You think your pretty funny huh ICF. You should try out for a show on the comedy channel. Once your almighty credit cards that you worship so much screw you over which they will it is only a matter of time don't come crying to me.

I think you must have some demons in your past, hence your resentment of the CC's. That's your business and not mine, but don't come here trying to put your personal issues on me or anyone else that knows how to use CC's to our advantage.

You can also trust that...

1) I don't worship anything, but the God in heaven...however I do know that CC's are a valuable tool that can be used for various reasons including to save people all sorts of money.

2)They won't 'screw me over' (as I know how to use them in the correct way) and I promise the last place I will be crying about them if my evil cc comes and tries to screw me, will be to you or the DIS.

 

[donalduck]

Why are you being such a jerk? There was nothing wrong with my response. It was my point of view. And not to mention, I acknowledged your point of view as well. Someone woke up on wrong side of the bed today.

For one I am not being a jerk I was telling you that you had all of the answers. For second I didn't wake up on the wrong side of the bed. And third I was talking to ICF and not you. You need to take a chill pill. So it's ok for you to post what you think but it's not ok for me to post what I think huh.

 

[Irin997]

For one I am not being a jerk I was telling you that you had all of the answers. For second I didn't wake up on the wrong side of the bed. And third I was talking to ICF and not you. You need to take a chill pill. So it's ok for you to post what you think but it's not ok for me to post what I think huh.

For 1) you know exactly how snarky your post was....I can just imagine how this would be said to me

boy you have all the answers don't ya.

For 2) if you weren't "talking" to me, then why exactly did you quote me

And for 3) you're the one that's been shoving this whole CC's are evil thing all over the DIS.

I'm hitting the imaginary ignore button. Spread your word on Credit Boards, not here.

 

[donalduck]

I think you must have some demons in your past, hence your resentment of the CC's. That's your business and not mine, but don't come here trying to put your personal issues on me or anyone else that knows how to use CC's to our advantage.

You can also trust that...

1) I don't worship anything, but the God in heaven...however I do know that CC's are a valuable tool that can be used for various reasons including to save people all sorts of money.

2)They won't 'screw me over' (as I know how to use them in the correct way) and I promise the last place I will be crying about them if my evil cc comes and tries to screw me, will be to you or the DIS.

I wasn't putting my personal issues on you in the first place. I can post what ever I want to. Your the one that put your two sense in. I didn't ask you what you thought did I. Your not going to get me to believe that cc are good and I am not going to get you to believe that they are evil so just drop it. You also think this. however I do know that CC's are a valuable tool that can be used for various reasons including to save people all sorts of money. I don't think that. I think people are making the banks richer. So just drop it. Your not right and I am not right. There is also no correct way to use a cc.

 

[donalduck]

For 1) you know exactly how snarky your post was....I can just imagine how this would be said to me



For 2) if you weren't "talking" to me, then why exactly did you quote me

And for 3) you're the one that's been shoving this whole CC's are evil thing all over the DIS.

I'm hitting the imaginary ignore button. Spread your word on Credit Boards, not here.

O NO NOT THE imaginary ignore button. Give me a break. The reason why quoted you is because I thought you had all the answers. Also it is just my opinion that there are evil I never brainwashed you or anything.

 

[ICF]

There is also no correct way to use a cc.

see, you keep making statements like this that are so wrong that I find it hard to let it go....

If you are making those statements you need to at least say that in YOUR OPINION cc's are EVIL and can't be used correctly. Otherwise, it appears that you are presenting that info as fact, which it is not...since my two "cents" (and that of other posters here as well) is that they have saved us thousands of dollars at no cost to us.

 

[donalduck]

see, you keep making statements like this that are so wrong that I find it hard to let it go....

If you are making those statements you need to at least say that in YOUR OPINION cc's are EVIL and can't be used correctly. Otherwise, it appears that you are presenting that info as fact, which it is not...since my two "cents" (and that of other posters here as well) is that they have saved us thousands of dollars at no cost to us.

It's only wrong because you think it's wrong. Good for you I am glad that the cc have saved all of you thousands or millions of dollars. CC have also gotten a lot of people in a lot of trouble. The cc companies push all of this on to the consumer. You need a credit card how will you live without one. You need to have good credit. REALLY for what.
A credit rating is nothing but a I LOVE DEBT SCORE.
Your not going to change my mind and I am not going to change your mind so just drop it.

 

[Luvchefmic]

as seen on dozens of thread..OP asks a ? then opposing opinions clash next thing you know its not the OPs thread but a fight that should be taken to the streets...geez

 

[deerh]

I have been going on vacations without cc for about 3 years now. It sure is nice not having any debt when I come home. I take out cash when I need it. That way I only spend the cash and think twice about buying anything that I might have to use my debt card. I have not had any trouble with hotel/motel without a cc. I have notice that I do not spend as much money on vacations.

 

[donalduck]

I have been going on vacations without cc for about 3 years now. It sure is nice not having any debt when I come home. I take out cash when I need it. That way I only spend the cash and think twice about buying anything that I might have to use my debt card. I have not had any trouble with hotel/motel without a cc. I have notice that I do not spend as much money on vacations.

Thank you Deerh. You also buy less stuff when you are paying cash. When you use a cc studies have showen that people spend more money using a cc then cash. If you are buying with cash you have less of a risk to impulse shop.

 

[daisy2jae]

WE always use our debit card. no chance of losing cash. When we go for a week no way would I feel good about taking that much cash with. If we lose it we're out that means a terrible vacation if we lose it the first or second day. (we have some cash don't get me wrong but not a lot $300 or so...we can always use an ATM)

 

[gisgt]

And how would Western Union help you if you need to change your flights, or if you need to pay for emergency medical care ASAP? Standing in a clinic that requires a payment for your child to be seen, I promise you the last thing you want to be thinking about is where is the closest Western Union.

Well, I'm clear on flying because I hate it & refuse to do it. But if I was, they would help by giving me money to pay the change fee. I'd have to go to the airport, but it can be done. And I have insurance for medical emergencies, wouldn't need any money for that. And if you're worried about being refused treatment because they require pre-payment, go to the ER - they treat everyone no matter what.

 

[chocovrdmicears]

Well, I'm clear on flying because I hate it & refuse to do it. But if I was, they would help by giving me money to pay the change fee. I'd have to go to the airport, but it can be done. And I have insurance for medical emergencies, wouldn't need any money for that. And if you're worried about being refused treatment because they require pre-payment, go to the ER - they treat everyone no matter what.

Makes sense. Other than (I would think), a renting a car it obviously can be done...I guess it really just comes down to convience.


And donalduck I agree and disagree with you.
I agree that having a CC (for some of us) definately puts you in a different mindset when it comes to spending. We got rid of all our credit cards a few years ago. We have a debit Visa card that is linked to our checking account. Our spending habits changed DRAMATICALLY when our purchases came directly out of our account. We are instantly accountable for those impluse purchases. It definately makes us think twice now.
But I disagree about CC or Credit card companies being evil. It comes down to personal responsibility. I need to loose 20 lbs but don't think its fair to say that cookies are evil.

 

[LoraJ]

Makes sense. Other than (I would think), a renting a car it obviously can be done...I guess it really just comes down to convience.


And donalduck I agree and disagree with you.
I agree that having a CC (for some of us) definately puts you in a different mindset when it comes to spending. We got rid of all our credit cards a few years ago. We have a debit Visa card that is linked to our checking account. Our spending habits changed DRAMATICALLY when our purchases came directly out of our account. We are instantly accountable for those impluse purchases. It definately makes us think twice now.
But I disagree about CC or Credit card companies being evil. It comes down to personal responsibility. I need to loose 20 lbs but don't think its fair to say that cookies are evil.

Exactly!!!!

I am taking a short trip next week and I will be putting the hotel on my Amex. It will get paid as soon as I get home. I already have the money for the trip in my savings. I just feel more comfortable putting the bill on my CC where there is better fraud protection.

I used to have a lot of CC debt, but it is not the credit card companies fault. If I thought they were doing anything "evil" like jacking up my interest rates, I took my business elsewhere. I always had manageable debt though. I did not go overboard. It just feels so much better being debt free now and saving for what I want instead of "I want it now will pay for it over a few months." I can handle having a credit card and not abusing it. I no longer carry a balance. It's such a great feeling that I can have that discipline.

While credit cards may be evil to some, for others it can be a great tool. Just because someone has a credit card does not mean that they are in debt.

 

[donalduck]

Makes sense. Other than (I would think), a renting a car it obviously can be done...I guess it really just comes down to convience.


And donalduck I agree and disagree with you.
I agree that having a CC (for some of us) definately puts you in a different mindset when it comes to spending. We got rid of all our credit cards a few years ago. We have a debit Visa card that is linked to our checking account. Our spending habits changed DRAMATICALLY when our purchases came directly out of our account. We are instantly accountable for those impluse purchases. It definately makes us think twice now.
But I disagree about CC or Credit card companies being evil. It comes down to personal responsibility. I need to loose 20 lbs but don't think its fair to say that cookies are evil.

Cookies are EVIL haha. I need to lose more then 20lbs but I just don't care that much lol.

 

[donalduck]

Exactly!!!!

I am taking a short trip next week and I will be putting the hotel on my Amex. It will get paid as soon as I get home. I already have the money for the trip in my savings. I just feel more comfortable putting the bill on my CC where there is better fraud protection.

I used to have a lot of CC debt, but it is not the credit card companies fault. If I thought they were doing anything "evil" like jacking up my interest rates, I took my business elsewhere. I always had manageable debt though. I did not go overboard. It just feels so much better being debt free now and saving for what I want instead of "I want it now will pay for it over a few months." I can handle having a credit card and not abusing it. I no longer carry a balance. It's such a great feeling that I can have that discipline.

While credit cards may be evil to some, for others it can be a great tool. Just because someone has a credit card does not mean that they are in debt.

A debit card offers the same fraud protection as a credit card. Go to visa.com and research it. And all of the credit card companies jack up there interest rates it's just a matter of time.

 

[ICF]

And all of the credit card companies jack up there interest rates it's just a matter of time.

and if you pay it off every month, the rate could be 1000% and it just wouldnt matter.

 

[Sorsha]

Makes sense. Other than (I would think), a renting a car it obviously can be done...I guess it really just comes down to convience.

Actually you can do that too... at least you could in 2007. Quoting myself, from my trip report in 2007, when we rented a car at the Car Care Center at MK and did not use a credit card:

For anyone who has thought about renting a car, but doesn't have (or doesn't want to use) a credit card, you CAN rent a car from Alamo at the Car Care Center without one. You may pay by Debit card or with a check, provided you can show them a WDW reservation and a return air reservation. I guess the return air reservation proves to them that you will bring the car back, since you have to go get on a plane to go home. Anyhow, just an interesting option.