anybody heard of a 0 credit score

[the chi]

Devil's advocacy is so much fun sometimes...

FTR guys, my hubby practices exactly what you guys are saying, and he racks up the miles and the advantages, and when I need to make a huge purchase, and he wants the miles, etc I use his card, usually paying him in cash to pay the balance.

[the chi]

Originally Posted by Homeslice

And then the rest of the fee goes to Visa/MC?

I've never understood why large banks like BOA don't have enough clout to produce a debit card without a Visa/MC logo. Can't they set up their own electronic transactional system and tell Visa/MC to take a hike?

Ah, but then they'd have to get their logos to be accepted by businesses world wide...

[HurricaneHeather]

Originally Posted by The Chi

Devil's advocacy is so much fun sometimes...

FTR guys, my hubby practices exactly what you guys are saying, and he racks up the miles and the advantages, and when I need to make a huge purchase, and he wants the miles, etc I use his card, usually paying him in cash to pay the balance.

That is really the way to do it. I really need to figure out how to pay my bills using the card so I can rack up more points.

But, I am one of the few who can set a limit and not go over it each month. I watch the CC purchases like a hawk and if on the 25th we've reached our limit, we don't buy anything else until after the first.

[Homeslice]

Originally Posted by neebelung

Don't go pattin yourself on the back there, fucktard... You far from "owned" anyone

I didn't mean that I "owned" The Chi as a person.

I meant that my CC's bonus program probably owns her debit card's bonus program.

Again, does any debit card send you an actual check in the mail with cash back, like my CC does? 1% cash back on everything, and 3% on the merchandise category that you spent the most on that month (for example, groceries).

[fasternyou929]

Originally Posted by Rider

Sometimes it's an advantage to borrow "free" money until the end of the month because some checking accounts pay interest on your monthly balance. The longer you can keep your own money the better off you are as long as you aren't paying interest on the "borrowed" money.

Originally Posted by The Chi

Now THAT is a logical argument for credit usage that I could apply to.

What's that interest rate, 0.2%? And that's logical, but this isn't:

Originally Posted by shmike

It doesn't have to be miles.

fasternyou gets cash back, over $1000 this year alone.

Originally Posted by The Chi

Devil's advocacy is so much fun sometimes...

FTR guys, my hubby practices exactly what you guys are saying, and he racks up the miles and the advantages, and when I need to make a huge purchase, and he wants the miles, etc I use his card, usually paying him in cash to pay the balance.

I dunno, I think I smell more backpedalling.

[the chi]

Originally Posted by Homeslice

I didn't mean that I "owned" The Chi as a person.

I meant that my CC's bonus program probably owns her debit card's bonus program.

Again, does any debit card send you an actual check in the mail with cash back, like my CC does? 1% cash back on everything, and 3% on the merchandise category that you spent the most on that month (for example, groceries).

Psst. Yes (altho I get direct deposit). I get money deposited back into my accounts based on the purchases I make. The more money I spend, the more cash I get back. They do offer the other things, like merchadise or item specific, I just havent bothered to look into it.

[Homeslice]

Originally Posted by The Chi

Psst. Yes (altho I get direct deposit). I get money deposited back into my accounts based on the purchases I make. The more money I spend, the more cash I get back.

But what is the percentage?

[the chi]

Originally Posted by fasternyou929

What's that interest rate, 0.2%? And that's logical, but this isn't:

I dunno, I think I smell more backpedalling.

[Rider]

Originally Posted by fasternyou929

What's that interest rate, 0.2%? And that's logical, but this isn't:

.2% per month adds up to 2.4% a year for free... thats better than the stock market right now(excluding this week).

[neebelung]

Originally Posted by Homeslice

I didn't mean that I "owned" The Chi as a person.

I meant that my CC's bonus program probably owns her debit card's bonus program.

blah blah blah blah blah blah blah blah blah

Jeebus fucko, pull your head out of your cash-filled mattress (and your ass) for just a moment, K? I knew damned well you didn't mean it as you "owned" her, as in title in hand, cash exchange, you bought her... wow.... for someone who occasionally comes across as mildly intelligent, you're really playing short-bus window licker today.