Re: What's in your wallet?
[Re: Crit-R-Dun]
#7211193
03/10/21 01:08 PM
03/10/21 01:08 PM
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Joined: Dec 2018
Posts: 5,214 Crivitz WI
Sprung & Rusty
trapper
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trapper
Joined: Dec 2018
Posts: 5,214
Crivitz WI
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Dave Ramsey says don't do it. Nobody pays you to use their money- they have a plan to take money from you and you can count on it That would be because Dave Ramsay's core audience are financial train wrecks. True. D.R's reasoning is studies show people spend more when using plastic rather than cash. Money going out is always worse than money staying in. Points or no points.
No Jab.
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Re: What's in your wallet?
[Re: Gary Benson]
#7211209
03/10/21 01:24 PM
03/10/21 01:24 PM
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Joined: Dec 2006
Posts: 29,899 williamsburg ks
danny clifton
"Grumpy Old Man"
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"Grumpy Old Man"
Joined: Dec 2006
Posts: 29,899
williamsburg ks
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I had no clue who Dave Ramsey is so I googled him. Couldn't figure out what his qualifications are for telling me how to live. Just another TV preacher so far as I can tell.
I did get a capital one card through bass pro a few months ago. I didnt need it already had a CC. There was an offer to take 20 bucks off any order for getting the card. I checked and no annual fee so I got one. Bought a case of shotgun shells. When I got the card and the bill the shells were full price. The nice lady on the phone explained I got 20 points. Good for twenty bucks off my next bass pro purchase. That wasn't real clear when I agreed to get the card. I bought some new fishing reels and a depth finder from them. So used the card. I have more points now. I wish they had some rifle primers. I would use those points and put the primers on gun broker.
Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety. Benjamin Franklin (1706-1790)
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Re: What's in your wallet?
[Re: Gary Benson]
#7211261
03/10/21 01:57 PM
03/10/21 01:57 PM
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Joined: Dec 2006
Posts: 29,899 williamsburg ks
danny clifton
"Grumpy Old Man"
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"Grumpy Old Man"
Joined: Dec 2006
Posts: 29,899
williamsburg ks
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i dont even wait for the bill. I just wait for the charge to show up online then push the pay now button. Comes out of my checking account. Dont have to write a check and mail it.
WyFurHarvesters , yeah I got that card on a whim. My main card I get 2% on all purchases. Bass pro card is 1% everywhere but basspro/cabelas then its 2% of store credit. I should not have got it. Spur of the moment thing. Didnt do my due diligence. Not a big deal though it doesn't have any fees.
Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety. Benjamin Franklin (1706-1790)
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Re: What's in your wallet?
[Re: Gary Benson]
#7211287
03/10/21 02:15 PM
03/10/21 02:15 PM
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Joined: Dec 2006
Posts: 29,899 williamsburg ks
danny clifton
"Grumpy Old Man"
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"Grumpy Old Man"
Joined: Dec 2006
Posts: 29,899
williamsburg ks
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My debit card has a 1000 dollar limit on it. Bank says all their debit cards do. Several years ago I bought gas with it. Tried to use it again and somehow the convenience store had shut my card off till they got paid. No thanks on the debit card. I have one in case I need to get cash. (which is rare now that I dont drive OTR) CC cash has a fee no matter how fast I pay it back.
Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety. Benjamin Franklin (1706-1790)
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Re: What's in your wallet?
[Re: WyFurHarvesters]
#7211834
03/10/21 10:23 PM
03/10/21 10:23 PM
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Joined: Nov 2012
Posts: 1,086 midland, michigan
midlander
trapper
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trapper
Joined: Nov 2012
Posts: 1,086
midland, michigan
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No way on a debit card you can have your whole account cleaned out if some one hacks it credit card is unsecured debt and protected if someone gets your identity or uses it.
Not true, refer to the Electronic Funds Transfer Act (EFTA).
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Re: What's in your wallet?
[Re: Gary Benson]
#7211868
03/10/21 10:40 PM
03/10/21 10:40 PM
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Joined: Jan 2008
Posts: 9,235 Alaska and Washington State
waggler
trapper
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trapper
Joined: Jan 2008
Posts: 9,235
Alaska and Washington State
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I have two Alaska Airlines CC's (unfortunately Bank of America), one CC is personal, and one is business. I get one $99 companion airline ticket each year for each of the CC 's. I use them for my crewmen and assistant guide. Those two $99 airline tickets save me at least $1500 every year. Plus I accumulate airline miles for purchases, this alone adds up to hundreds of dollars in savings each year.
Other than that I have zero debit cards, I refuse to use them, I use real checks instead.
I have a drivers license, hunting, fishing and trapping license, my Guide license, Blasting license, a Costco card, some cash, a few business cards, and proof of insurance cards.
"My life is better than your vacation"
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Re: What's in your wallet?
[Re: Wanna Be]
#7211869
03/10/21 10:43 PM
03/10/21 10:43 PM
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Joined: Jan 2008
Posts: 9,235 Alaska and Washington State
waggler
trapper
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trapper
Joined: Jan 2008
Posts: 9,235
Alaska and Washington State
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I let my bank know when I’m heading out of state or country. The first time I went to Kansas they shut my card off when I filled up the tank in Missouri. Now they call first, even after I let them know, lol. I was sitting at home about a year ago and they called and asked if I had just purchased $800 worth of Air Jordan’s at some mall in Atlanta...said it wasn’t a “normal” purchase for me. I replied I had a long day, but it wasn’t that long of a day. Got a new card a few days later. I think I might know the kid who bought those Jordan's.
"My life is better than your vacation"
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Re: What's in your wallet?
[Re: Gary Benson]
#7211931
03/10/21 11:54 PM
03/10/21 11:54 PM
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Joined: Dec 2010
Posts: 34,928 Central, SD
Law Dog
trapper
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trapper
Joined: Dec 2010
Posts: 34,928
Central, SD
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Get a Visa cash card from your bank it has the same protections like a Visa credit cards has.
Last edited by Law Dog; 03/11/21 01:06 AM.
Was born in a Big City Will die in the Country OK with that!
Jerry Herbst
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Re: What's in your wallet?
[Re: danny clifton]
#7212063
03/11/21 08:08 AM
03/11/21 08:08 AM
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Joined: Dec 2006
Posts: 20,087 SEPA
Lugnut
trapper
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trapper
Joined: Dec 2006
Posts: 20,087
SEPA
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My debit card has a 1000 dollar limit on it. Bank says all their debit cards do. Not all debit cards have a $1,000.00 limit, maybe just that bank. My debit cards have been hacked a few times. Most recently some turd used the debit card attached to one of my business accounts to buy $1,800.00+ worth of tools at a Home Depot in Florida. He then tried to make another purchase at another Home Depot an hour away but that purchase was denied. I noticed the charge on my account and called my bank to find out what it was. When it became obvious it was fraudulent they had me call the Home Depot in question and get some information. I then filled out a Fraud Report, they gave me provisional credit (put the money back into my account), shut down the card and issued me a new one. From talking with the HD managers, they had the guy on camera at both places. I don't know if they ever caught him but the provisional credit was made permanent a month or so later. The few times I've been hacked my bank and issuing CC company have always gone to bat for me and got the matter resolved quickly in my favor.
Eh...wot?
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Re: What's in your wallet?
[Re: Gary Benson]
#7212121
03/11/21 09:44 AM
03/11/21 09:44 AM
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Joined: Nov 2013
Posts: 1,742 In the south central Pa Mounta...
grayfox54
trapper
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trapper
Joined: Nov 2013
Posts: 1,742
In the south central Pa Mounta...
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When I retired 2 years ago I paid off all my credit cards and cut them all in half! All I have now is a debit card or pay cash. I do use Pay Pal Credit on occasion and believe it or not my credit score is 835. I did co-sign for my stepson for a car and he is paying it on time every time. The Tacoma I just bought I took a loan out for it just to keep my credit score good.
I don’t trap because I want to I trap because I have to
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