Credit Cards

Originally Posted by Megalith

Does Visa let you upload your images, or what.

They'd sell mad credit cards with this idea.

I have two cards, but one of them is dead. I don't know why; it was delinquent for like 2 billing cycles before I paid it off completely, but after that, I couldn't use it anymore. I was happy with it because there were no fees or interest as long as I paid at least $10 on it a month. But, no longer.

I wasn't too bummed because I have a second Capital One card. I don't have any problems with it. APR is high as fuck, but if you pay your shit off entirely every month it shouldn't be a huge deal.

ZOMG had to pay $2 extra bux; who cares.

Jam it back in, in the dark.

That's what debit cards are for; so you don't go into debt but have most of the power of a credit card. Then again, you can just as easily go into debt by overdrawing your checking account.

The key is self-control.

There's nowhere I can't reach.

You can use your debit card as a credit card if it is of a major credit card company. For example, my bank is 5/3rd bank, but my debit card is still somehow a Visa. I can use it anywhere I could use a Visa credit card, I can also use it as an ATM card. When I use it, the money is deducted directly from my checking account.

The drawback is that if I have not yet been paid and want/need something immediately, or have deposited a check that may take a few days to clear, I will be stuck if my checking account is low. That's when a credit card comes in handy. But too many people look at it as "free money" and go apeshit with it and don't worry about the consequences.

Or perhaps I'd rather have something like a monthly bill go to my credit card, just to be fairly confident I will never overdraw my checking account.

This thing is sticky, and I don't like it. I don't appreciate it.