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  1. #121
    We know lol Farley1324's Avatar
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    Originally Posted by -Lucifer View Post
    Okay, how many of you chaps have credit cards? Since you're all American, I'm pretty sure most of you have more than one.

    I cancelled mine years ago. It's a big waste and makes you spend more than you deserve. Yes, I think all of you know that. A credit card is also used to track everything you purchase and then your information is sold to third-party phaggots who spam you with their sh*t.

    No thanks Jeff LOL.
    Credit cards are essential, IMO.

    Sometimes expenses come up that you cannot pay for with just the money that's in your checking account, and you kinda need to spend the money immediate.

    When ordering stuff online a credit card is definitely the safer/preferred vs a debit card.

    It's good for your credit score to charge/pay off.
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  2. #122
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    Originally Posted by Farley1324 View Post
    Sometimes expenses come up that you cannot pay for with just the money that's in your checking account, and you kinda need to spend the money immediate.
    So save or start saving?

    When ordering stuff online a credit card is definitely the safer/preferred vs a debit card.
    It's good for your credit score to charge/pay off.
    PayPal is widely accepted.
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  3. #123
    We know lol Farley1324's Avatar
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    Originally Posted by -Lucifer View Post
    So save or start saving?
    So if your car breaks down and you don't have the money immediately available to fix it, and you need your car to get to work, your solution is to start saving money so you can afford to fix your car.

    What money will you save, when you can't get to work to earn your paycheck?

    We aren't all you, Lu. Most people cannot live alone and stay home all the time, never working, and walk anywhere they need to go, or take public transit.


    Originally Posted by -Lucifer View Post
    PayPal is widely accepted.
    Not nearly as much as Visa/Mastercard.

    And you don't earn anything for using PayPal.

    And I'm not sure but I don't think you have the same protection with them you do with a credit card.

    AND that doesn't address any of my other points.
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  4. #124
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    Originally Posted by Farley1324 View Post
    So if your car breaks down and you don't have the money immediately available to fix it, and you need your car to get to work, your solution is to start saving money so you can afford to fix your car.
    What money will you save, when you can't get to work to earn your paycheck?
    We aren't all you, Lu. Most people cannot live alone and stay home all the time, never working, and walk anywhere they need to go, or take public transit.
    What happened to borrowing money from your friends or relatives? I'm sure you know people that can trust you. I've never borrowed anything from anybody till today, but that's because I'm awesome.

    What's wrong with public transportation? It beats driving, and in case you're stuck in a jam, you can always get out of the bus/cab, walk a little and then hire another one. I've done this and I lol @ the people sitting in their cars.

    Not nearly as much as Visa/Mastercard.
    And you don't earn anything for using PayPal.
    All the big boys like eBay and amazon accept Paypal. I wouldn't buy something from a random site that I don't trust. The only time I purchased something from a 'random site' was when I knew the site owner.
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  5. #125
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    Originally Posted by -Lucifer View Post
    What happened to borrowing money from your friends or relatives?
    It's an option, but it isn't always the best option.

    Borrowing money from somebody can have an affect on the relationship. And it can take time. And it requires that they have the money to loan you. Possibly right now, with no delay. That won't always be the case for everybody.


    Originally Posted by -Lucifer View Post
    What's wrong with public transportation? It beats driving, and in case you're stuck in a jam, you can always get out of the bus/cab, walk a little and then hire another one. I've done this and I lol @ the people sitting in their cars.
    For starters a LOT of people live where there is no public transportation. Or they need to go places that are not conducive to public transportation. Perhaps they need to take a child (or children) to school and to day care and then go to work, and then pick them up, and it is not physically possible to do all of those things on time with public transportion. If there is even public transit where they live.


    Originally Posted by -Lucifer View Post
    All the big boys like eBay and amazon accept Paypal. I wouldn't buy something from a random site that I don't trust. The only time I purchased something from a 'random site' was when I knew the site owner.
    Your own personal online buying habits different significantly from a lot of other people's. I almost never buy anything on eBay, and while I do use Amazon a lot, on a $ amount basis, I order more from other places than I do from Amazon.

    And no matter who you are ordering from, if you are using a card you are putting that card's information out there in cyberspace. This is safer with a debit card than a credit card.

    But please, continue to explain to me why your personal decision based upon your own personal choices on how to live your life necessarily applies to every other person in every conceivable situation in the world.


    This is the best discussion we can come up with?

    No wonder Shack is DOA.
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  6. #126
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    Originally Posted by Farley1324 View Post
    But please, continue to explain to me why your personal decision based upon your own personal choices on how to live your life necessarily applies to every other person in every conceivable situation in the world.
    I was merely giving you options that worked well for me. You can either listen to me or you can do what you like. I never said you have to do as I say. LOLZ.

    I said, "A credit card is also used to track everything you purchase and then your information is sold to third-party phaggots who spam you with their sh*t.", which is true. I still get spammed from time to time with various offers from f*cktard companies I've never even heard of. The worst was when some organization called me and asked for a donation. I politely told them I can't help them. Lol, I'm not Bill Gates.

    P.S. I'm the only one trying to keep this thread going. If it wasn't for me, we'd still be stuck with Shack X.
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  7. #127
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    Originally Posted by -Lucifer View Post
    I said, "A credit card is also used to track everything you purchase and then your information is sold to third-party phaggots who spam you with their sh*t.", which is true.
    And using PayPal, or Amazon, or eBay, is different...?
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  8. #128
    SportsCardKing adamdavidson47's Avatar
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    I have 3 credit cards. 1 business, 2 personal. My credit is perfect.

    Credit Cards are only a problem if you misuse them. If you are a compulsive spender, than yes, maybe they aren't a great idea, but you should have one in case some kind of emergency arises.

    What if your car breaks down and it's going to be 1000 bucks to fix it? You might not have an extra 1000 in the bank. This is the type of situation a credit card comes in handy.
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  9. #129
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    Originally Posted by Farley1324 View Post
    And using PayPal, or Amazon, or eBay, is different...?
    I dunno lol. I am against credit cards because they make you spend more than you can afford to.
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  10. #130
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    Originally Posted by Farley1324 View Post
    And using PayPal, or Amazon, or eBay, is different...?
    I use paypal, but only with my credit card info. I would never give my bank account information to anyone online. To me, that's a way bigger risk than a credit card.
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  11. #131
    SportsCardKing adamdavidson47's Avatar
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    Originally Posted by -Lucifer View Post
    I dunno lol. I am against credit cards because they make you spend more than you can afford to.
    They don't MAKE you do anything, Lu. Just like guns don't MAKE anyone kill, and fast food doesn't MAKE anyone eat it.



    But, it's also your choice not to own one, so I'll just go fuk myself.
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  12. #132
    We know lol Farley1324's Avatar
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    Originally Posted by -Lucifer View Post
    I dunno lol. I am against credit cards because they make you spend more than you can afford to.
    And spoons, knives, and forks make you eat more than you should.
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  13. #133
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    Originally Posted by adamdavidson47 View Post
    They don't MAKE you do anything, Lu. Just like guns don't MAKE anyone kill, and fast food doesn't MAKE anyone eat it.
    Strong argument. That's like saying drugs don't make anyone an addict.
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  14. #134
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    Originally Posted by Farley1324 View Post
    And spoons, knives, and forks make you eat more than you should.
    Yet another strong argument. I'm sure all your bills come to the same amount every month, right? Your spending never goes up when they raise your credit limit?
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    Originally Posted by -Lucifer View Post
    Yet another strong argument. I'm sure all your bills come to the same amount every month, right? Your spending never goes up when they raise your credit limit?
    Why would all of my bills come to the same amount every month?
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    Originally Posted by -Lucifer View Post
    Strong argument. That's like saying drugs don't make anyone an addict.
    Drugs don't make you take it. I've also experimented with a variety and am not an addict to any of them (except maybe caffeine).


    I also have quite a large credit limit and my spending doesn't sway based on my limit. My spending is based on my income and my financial responsibilities.

    But yes, some people can not handle the responsibility of a credit card and have the mindset that if the credit card will get approved, they have the money to cover it. You are often times provided enough rope to hang yourself. It is up to you if you tighten the noose around your neck or not.
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    Originally Posted by adamdavidson47 View Post
    Holy chit, did anyone read about that dude that fell in a sinkhole while golfing in Illinois? Whoa!!
    I saw the headline. Didn't investigate further.
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  20. #140
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    In other news, cars capable of exceeding the speed limit make you break the law by going 100mph in a residential zone
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  21. #141
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    Originally Posted by chazzy1864 View Post
    I also have quite a large credit limit and my spending doesn't sway based on my limit. My spending is based on my income and my financial responsibilities.

    But yes, some people can not handle the responsibility of a credit card and have the mindset that if the credit card will get approved, they have the money to cover it. You are often times provided enough rope to hang yourself. It is up to you if you tighten the noose around your neck or not.
    Well, I just believe you should only buy what you deserve, and if you're using a credit card, you are borrowing money from someone else. I don't like doing that.

    All that crazy spending was done when I used to be a retard. I just started making a lot of money and I didn't know what to do with it. So, I started blowing it away. That was my fault and my fault only. Perhaps I'll be responsible if I get one now, but I'm against the idea of owning a credit card. It may be useful to some (car-breaking-down example) but I'm doing fine without it (yah, even when I had a job. Cash works like a charm).
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  22. #142
    SportsCardKing adamdavidson47's Avatar
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    Originally Posted by chazzy1864 View Post
    I saw the headline. Didn't investigate further.
    Not much to read, just that he fell about 20 feet into the ground while golfing and his buddy pulled him out with a rope.
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  23. #143
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    Originally Posted by Farley1324 View Post
    In other news, cars capable of exceeding the speed limit make you break the law by going 100mph in a residential zone
    That's why I drive a jalopy.
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  24. #144
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    Originally Posted by -Lucifer View Post
    Well, I just believe you should only buy what you deserve, and if you're using a credit card, you are borrowing money from someone else. I don't like doing that.

    All that crazy spending was done when I used to be a retard. I just started making a lot of money and I didn't know what to do with it. So, I started blowing it away. That was my fault and my fault only. Perhaps I'll be responsible if I get one now, but I'm against the idea of owning a credit card. It may be useful to some (car-breaking-down example) but I'm doing fine without it (yah, even when I had a job. Cash works like a charm).
    Some people I know purchase everything with credit cards, but carry zero balance to the next month (they always completely pay it down before the next statement).

    I used to, over the recent past I used credit cards to float myself until I got over here and was operating in the black again. It wasn't the best idea, but it was a workable one. I fully intend to pay off all of my credit cards and go back to carrying no balance I couldn't pay off at any time with my savings (save for emergencies that come up, such as what Farles brought up, which is a very real issue when one has home, vehicle, family, etc).
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  25. #145
    I have a bellybutton The Shoeless Wonder's Avatar
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    Originally Posted by chazzy1864 View Post
    Drugs don't make you take it. I've also experimented with a variety and am not an addict to any of them (except maybe caffeine).


    I also have quite a large credit limit and my spending doesn't sway based on my limit. My spending is based on my income and my financial responsibilities.

    But yes, some people can not handle the responsibility of a credit card and have the mindset that if the credit card will get approved, they have the money to cover it. You are often times provided enough rope to hang yourself. It is up to you if you tighten the noose around your neck or not.
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  26. #146
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    Why the f*ck do people upload such pictures of themselves? It's just asking for trouble. Won't be long till someone trolls the crap out of her (found the link in the misc).

    http://www.pof.com/viewprofile.aspx?...le_id=32525668

    Originally Posted by chazzy1864 View Post
    Some people I know purchase everything with credit cards, but carry zero balance to the next month (they always completely pay it down before the next statement).

    I used to, over the recent past I used credit cards to float myself until I got over here and was operating in the black again. It wasn't the best idea, but it was a workable one. I fully intend to pay off all of my credit cards and go back to carrying no balance I couldn't pay off at any time with my savings (save for emergencies that come up, such as what Farles brought up, which is a very real issue when one has home, vehicle, family, etc).
    I'd always try to make the payments on time (they gave me 45 days, after which the interest rates were quite high), but sometimes I'd miss them. I ended up paying lots of interest two or three times.

    Do you guys have a collection centre over there? That's what we had here and it was open from 10:00 to 13:00 (Mon-Sat). I'd miss payments due to waking up late (out till 4 AM, drinking).
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  27. #147
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    Originally Posted by -Lucifer View Post
    I'd miss payments due to waking up late (out till 4 AM, drinking).
    Irresponsibility allows people to get themselves into all sorts of different troubles



    But seriously, we mostly pay our credit cards online. Some people probably do it hte old fashion way and mail in checks, but I don't anybody that doesn't just pay online out of their bank/checking account
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  28. #148
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    Originally Posted by Farley1324 View Post
    Irresponsibility allows people to get themselves into all sorts of different troubles
    Predictable. I knew you'd quote that part.

    I already stated why I don't like credit cards. \/ \/ \/

    Well, I just believe you should only buy what you deserve, and if you're using a credit card, you are borrowing money from someone else. I don't like doing that.
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  29. #149
    SportsCardKing adamdavidson47's Avatar
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    Originally Posted by -Lucifer View Post
    Why the f*ck do people upload such pictures of themselves? It's just asking for trouble. Won't be long till someone trolls the crap out of her (found the link in the misc).

    http://www.pof.com/viewprofile.aspx?...le_id=32525668




    I hate to break it to you, Lu, if you wanna take her out, you gonna need a credit card. She gonna eat.
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  30. #150
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    Originally Posted by adamdavidson47 View Post
    I hate to break it to you, Lu, if you wanna take her out, you gonna need a credit card. She gonna eat.
    I'll just use PayPal. I reckon there's still some money in there. May not be much, but I can easily buy her a Big Mac or two.
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