imported_viper_2_4

I don't use it as a replacement for cash, I would still have the cash in the bank, just its safer than debit (well less hassle if someone steals your credit card number as opposed to your debit info, I'd rather have them chasing me for money then chasing them if anythign gets stolen, way easier)....

imported_JoonyaSI

lol sounds careless to me .. who just looses G's like that... either way u still gotta pay the credit card . why not avoid that step and just debit it .....

on a side note anyone hop on board that dexit crap .. no pin debit thing .. seems fishy ..

imported_ERTW

why not just debit it? becasue when you debit it, your account gets debited at the time. with a credit card, you get interest free money until your next statement date plus grace period for the payment. it may not mean much to you, but to people who go through a lot of money every month, its economical.

goods purchased on certain credit cards are automatically insured and protected. if you buy a bike on a credit card and it gets stolen, you can claim it under the insurance clause on the card and get compensation.

anyways, i noticed that people notice my MNBA platinum card the most, they always comment on the nice platinum colour it has a 15k limit, and makes me feel safe in case **** happens and i have to deal with an emergency, i use it for general spending. I use my other cards for regular payments and memberships.

to those who say credit cards are bad and should not be used: credit cards are a wonderful thing if used properly, just make sure you pay it off when they are due and not spend beyond your means. if you do that, they are safer and more convinient than debit and cash

imported_viper_2_4

ya, if you have the cash in your account anyways, paying the credit card is easy (and free)...and you don't have to make trips to the bank,

also debit is not safe at all, someone steals your pin and number, your money is gone, you have to fight the bank to get it back....

someone steals your credit card, you tell the company, and they get their investigators on it and deal with it.....big difference


nobody just "looses" a G...your right..

imported_JoonyaSI

well i know with my bank .. they constantly are looking for in consistancies with my accnt .. hell 1 time i coudlnt even validate myself to change something on my accnt lol .. there like oh those are "wallet questions" im like gawd dammnit what u need from me ppl ! ... if i lost my debit card i would call my bank and have it cancelled .. the chances of someone loosing a debit card & loosing money are loser than loosing a C.C. and loosing money cause a C.C. requires less validation than a Debit card ... but hey i guess to each their own .. i personally hate credit .. its like invisible money that "THE MAN" controlls

imported_viper_2_4

yup to each thier own....

I don't really use it as a "credit card", since I've never paid interest on it, so its cost me nothing....more for convienience, and my bank only gives me so many free debits....

bdotdan

dude when cyn bought my camera, we pulled a wad of cash out

what he gave me barely put a dent in it lol

hes PIMP for realz yo

imported_JoonyaSI

cause hes smart lol .. bank accounts are for sukkers ... i keep most of my money @ home ... lol the ING man is right "Savvve Yo Money"

szuberi

Get a ScotiaLine VISA card which gives you a max. of $500,000 limit. Its like a line of credit on a plastic in your wallet.

No other limit comes close.

civicnation

I use credit for everything. I have the money fo course, but when i have cash, im more entitled to spend it and also, there is insurance when you buy with your credit card. I don't think I've ever payed any interest to the credit card company. For me, the credit card is used for everything and anything.

imported_Bruce Fee

where do you live?

Cynikal.Mindset

haha...yea, I remember that...I paid for my australia trip cash too...the travel agent looked at me funny cuz I pulled out a wad of cash in a rubber band and slapped it on the desk...good times

imported_ERTW

that is just ghetto-fabulous

imported_JoonyaSI

haahhaha easy Mr.Fee

imported_tamalsaccord

My amex gold doesn't have any credit limit.

Cynikal.Mindset

but seriously, how gully is this card?

imported_Cablerat

Using credit cards is absolutely imperative in this world.

As ERTW mentioned, "you get interest free money until your next statement date plus grace period for the payment."

And, more importantly, without CREDIT, you cannot get loans for anything.. So say bye bye to that $30,000 car. Or be prepared to rent for the next 20 years until you have enough to buy a shack. Banks are reluctant to give you a mortage without a decent credit rating to go along with your salary.

imported_Bruce Fee

my drug dealer takes plastic

imported_hdave

ive never bought anything with my credit card without actually having the money in my bank account too.

i use credit all the time for the same reason as everyone else, very convenient and no fees.

with debit cards, lots of people have feed and are limited to a certain amount of transactions, etc.. (although theres none of that for me as long as i keep my balance over 1000)

and with credit cards i can collect points/rewards etc..

imported_hdave

oh on a side note..
which credit card offers the most bang for your buck?

like which one offers the most rewards,
ebay, cdn tire, shoppers, etc..