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#11 | |
Viff6N Mutated Warrior
Join Date: Mar 2009
Location: Texas
Moto: '01 Honda VFR 800 & '09 ER-6N
Posts: 8,704
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Discover isn't accepted as much around here. Probably because they're one of the highest that charge companies to use them. |
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#12 | |
Viff6N Mutated Warrior
Join Date: Mar 2009
Location: Texas
Moto: '01 Honda VFR 800 & '09 ER-6N
Posts: 8,704
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I know I don't need one (I'm 25 and still dont have one) but it is a lot easier the get your money back. All it takes is a phone call. If your bank doesnt catch it fast enough you have to go in sign papers and have to have another card mailed to you. I'm still waiting on mine. It's not just about fraud. It's just being able to get your money back faster and easier. Plus when you use a debt card online, it's a gateway straight to your checking account. |
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#13 | |
125GP Champion
Join Date: Aug 2008
Location: Worthington, OH
Moto: Empty Garage
Posts: 3,418
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Mohammed replies "Derp, derp... we can go ahead and make the payment off of your bank account over the phone. I say, "No I want the charges removed, there should have been no interest in the first place, Im not paying over $30 in late fees." Mohammed replies "Derp, derp... well sir we cant do that. I said "Bullshit, I know you can because you've done it before to me. I said if you make me pay these charges I am cutting up my card right now. So he told me that he still couldnt, so i told him that I was done with their business for good. I should have sent an email to customer service like last time, but i payed them their last $30, cut the card up, and will never go back. I have heard countless friends, family, and coworkers get screwed by Capital One. Discover was my grandparents, parents, uncles, and my first card. No one has ever had a problem with them, and have acually been saved from fraud with my parents and myself.
__________________
*Coming soon? 2010 Ducati Monster 696 - Sold 1984 Honda VF500F - Sold 1999 Yamaha R6 - Sold |
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#14 |
Pug Queen
Join Date: Dec 2008
Location: Las Vegas, NV
Moto: DR200, SV650
Posts: 2,486
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If you were to carry a balance and are looking for low min payments you may also want to consider what percentage of the balance they want you to pay every month. Typically Discover wants you to pay 3%, Chase- 2% and BOA and Cap1 - 1%. It may not matter much if you don't plan on just paying the minimum, but its a nice option to have when you need it.
That being said, I use Chase for my day to day swipings. I use their cashbacks and rewards. I am sure there are better cards out there, but I don't really care to look. I don't use my BOA card out of principle since they cut my credit line for no apparent good reason, but up until this year, they have been pretty good. |
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#15 |
Pug Queen
Join Date: Dec 2008
Location: Las Vegas, NV
Moto: DR200, SV650
Posts: 2,486
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Pork chop WTF is Derp derp??
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#16 | |
125GP Champion
Join Date: Aug 2008
Location: Worthington, OH
Moto: Empty Garage
Posts: 3,418
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__________________
*Coming soon? 2010 Ducati Monster 696 - Sold 1984 Honda VF500F - Sold 1999 Yamaha R6 - Sold |
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#17 |
125GP Champion
Join Date: Aug 2008
Location: Worthington, OH
Moto: Empty Garage
Posts: 3,418
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Im using bad stereotypes because im mad....
![]() Its that funny noise that indians make when they say "uh" or "um"
__________________
*Coming soon? 2010 Ducati Monster 696 - Sold 1984 Honda VF500F - Sold 1999 Yamaha R6 - Sold |
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#18 |
Viff6N Mutated Warrior
Join Date: Mar 2009
Location: Texas
Moto: '01 Honda VFR 800 & '09 ER-6N
Posts: 8,704
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Been told that it's best to pay off the whole months payment instead of carrying it on so I'll just charge a certain amount the whole month so I know I'll be able to pay the whole card off. No since in paying interest.
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#19 | |
Let's do another U-turn
Join Date: Feb 2008
Location: Indiana
Moto: 2009 V-Strom
Posts: 3,816
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Ugh, not this again. Go read t-rock's thread in cage hell about which he should buy. Forget credit cards, period. Having a credit card is even worse than having a car loan. Sure, you'll pay the card off every month. But, one month, you'll end up spending more than you can afford to pay off. Why, because you NEED this one particular item. Then you get caught back up, or you take away savings to pay off the card. Whatever the case is, you get caught in a cycle of spending on credit. Stay away from credit cards and other debt. Get in good habits while your young.
Quote:
Last edited by Captain Morgan; 02-07-2011 at 11:41 PM.. |
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#20 | |
Viff6N Mutated Warrior
Join Date: Mar 2009
Location: Texas
Moto: '01 Honda VFR 800 & '09 ER-6N
Posts: 8,704
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I already do that. Checking accounts dont build credit and I'm not going to take out a loan when another one is done. I don't have a mortgage so I need something to keep my credit score updated. |
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