Ok , I'll come clean. Most of that was mine. Sorry everybody.

None of mine either,

I do have credit cards but pay them off usually within a couple of weeks.

Besides doing Christmas presents is woman's work! 

Kat wrote on Jan 11^th, 2016 at 4:27pm:


Using credit card is a good thing not evil.
1. If you spend on real paper cash, you are realy too old, probably never heard about b-pay, paypal, wave and pay, etc
2. If you use a saving card:
2.1 If you have lots of savings, then you give your bank nearly free money, your bank laughs at you. You are not well utilize your capital.
2.2 If you have another loan like home loan, you should normally offset your saving with the loan account. Then, to directly access huge fund from a key card, it can be very dangerous from fraud protection point of view.
2.3 If you have only a little cash in saving account, lots of times when buying expensive things, the amount may not be enough to pay, e.g. several flight tickets, a TV.
3. So you should have a credit card and pay it off in interest free period.
3.1 It gives you ability to access fund from e- commerce ways.
3.2 It gives you a good margin to spend without worrying no sufficient fund.
3.3 Itself, as another account, gives a barrier to your main account, you don't need to worry about losing all your money in one fraud event.
3.4 It's free credit from bank, you keep use it and payback within interest free cycle, it is equivalent to borrow some money from bank for ever with no interests. It may saves 500 bulks a year, a good Christmas dinner, isn't it?
3.5 All prices in all stores, already include a credit card surcharge in it, 2%? If you don't use credit card, the store owner earns it, they laugh at you too.

If people don't have money to buy Xmas presents they should just tell everyone the truth -

not hide it & pretend they have money using a credit card.

If their friends or family don't like the truth &
don't want to know you anymore then they were never your true friends or family anyway -

drop them like a hot potato.

I have a Visa Card for buying things over the 'Net - or telephone, but have only ever used it as a Debit Card ~ (despite letters from Melbourne BEGGING me to use it as a credit card so they can rip me off with a HUGE interest rate if I should happen to default on the repayments).

And then we have all these Instant Cash shops in every shopping strip nowadays ... and the people I see coming and going from these dens of iniquity are ALWAYS the ones who can least afford to borrow at their high interest rates.

Pacific Islanders and skinny-to-the-bone wretched-looking white women who were, or are still on, Methadone ...

The same mob that frequent the TAB office all day - every day. Losers-and-boozers who rotate hourly between the Pub, the TAB, and the Quick Money agencies.

Bobby. wrote on Jan 11^th, 2016 at 11:16pm:


what made in china garbage could you possibly buy them that they don't already have ? Most christmas presents end up in hard rubbish collections unfortunately. Christmas is really designed for people like Gerry Harvey to profit from

Lord Herbert wrote on Jan 12^th, 2016 at 8:34am:


Can't say I've noticed that here - a minority of them, sure.

But by no means all, not even most.