well ?
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55Never have, never will have credit card, mortgage or overdraft12.73%7Never use a credit card, but a mortgage is unavoidable30.91%17I have a mortgage and use a credit card to get by38.18%21It would be difficult to imagine surviving without my credit card and overdraft3.64%2Over using credit cards etc has wrecked my fking life14.55%8The poll is expired.
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("")("") Born to Drink. Forced to Work -
$hit happens - hopefully not too often hopefully. -
Send round some Turkish gentlemen to rip his legs off if he doesn't pay.Originally posted by EternalOptimist View Postwell ?
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Which is the andyw option?Comment
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You can save money by judicious use of credit. Taking out a mortgage when you can afford to pay 100% in cash means you can invest the money and potentially make a profit off it. Credit cards give you free purchase insurance and also can give you 1% or more cash-back.
The rich can use credit to get richer. The poor feel they have to use credit to survive, and get poorer.Originally posted by MaryPoppinsOriginally posted by vetranComment
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some purchases can only be made with a credit card.... and some services need a credit card for a guaruntee
Credit cards are also handy when you open your wallet and realise that your debit card is still in the ******* house
Coffee's for closersComment
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I've gone off debt big time, don't have any left and I won't have any again (not that anyone will allow me any).Originally posted by Spacecadet View Post
However, as you say, not having some sort of plastic makes transactions very difficult. For example, try buying a plane ticket with cash these days!! It's a good job I know what it's like up the
How did this happen? Who's to blame? Well certainly there are those more responsible than others, and they will be held accountable, but again truth be told, if you're looking for the guilty, you need only look into a mirror.
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"We hang the petty thieves and appoint the great ones to high office" - AesopComment
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There's no option for used to have lots of debt, now behave very differently.
I now have several credit cards with sizable limits and zero balances. Cards are critical for some transactions to be done with minimal fuss and maximum protection.Comment
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I'm not tempted by credit cards as I can't be arsed keeping tabs on when to pay off the credit and I think you'd tend to spend more. Debit card work everywhere credit cards work in my experience. You don't get much protection on purchases but I've not needed that so far. For you big spenders, I expect they are useful though.Comment
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I almost always use a credit-card, but pay it off every month and pay no interest. It's very useful because it is easy to see what outgoings actually are each month.
Remember also, that if you pay by credit-card you get a guarantee(if over 100 pounds spent) that if goods are shoddy or services not forthcoming, you are allowed to claim a refund off of the card issuer. This has proved very useful for me in the past, and is far less hassle than chasing the seller.
If you are abroad, credit cards are also very convenient for withdrawing foreign cash, and of course it is not a good idea to carry too much cash around with you. Exchange rates on credit-cards are also often superior. I specifically have a Nationwide credit-card because this has very low charges and no exchange rate loading.
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