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Credit card debt (Read 683 times)
John Smith
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Re: Credit card debt
Reply #15 - Jan 14th, 2022 at 6:43pm
 
Valkie wrote on Jan 14th, 2022 at 6:40am:
Because I was travelling all over the world, ensuring I wasn't defrauded was a serious consideration.
I also found I could use my credit card in every country (except Canada for some reason) with no problems or knockbacks.



I've been to 5 countries and my debit card has worked just fine in all of them. As long as it's a Visa debit card, you can use it anywhere you use visa.  Fraud isn't much a a factor that way as I only use the card at ATM machines and then pay cash for everything.

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Our esteemed leader:
I hope that bitch who was running their brothels for them gets raped with a cactus.
 
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Valkie
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Re: Credit card debt
Reply #16 - Jan 14th, 2022 at 7:56pm
 
John Smith wrote on Jan 14th, 2022 at 6:43pm:
Valkie wrote on Jan 14th, 2022 at 6:40am:
Because I was travelling all over the world, ensuring I wasn't defrauded was a serious consideration.
I also found I could use my credit card in every country (except Canada for some reason) with no problems or knockbacks.



I've been to 5 countries and my debit card has worked just fine in all of them. As long as it's a Visa debit card, you can use it anywhere you use visa.  Fraud isn't much a a factor that way as I only use the card at ATM machines and then pay cash for everything.



I just had a look at the card.
Its a platinum "visa" card, not a debit card
I do have two debit cards, one with my emergency cash.

But when ever i went overseas it was all done on the platinum card.
I also carried cash, specific to the country.
I found getting it from my local bank was the best way, much cheaper fees than any other way.
My main gripe was when i was in three or four different countries with different currencies.
I have quite a bit of money from every country in my drawer because its not worth cashing it in, lose too much in transfer fees.

So i found the best was to carry cash for incidental and play money
Credit card for accom and meals
With all flights purchased straight off the credit card before leaving.

Worked well for me.
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Valkie
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Re: Credit card debt
Reply #17 - Jan 14th, 2022 at 8:00pm
 
Oh, yeah.

I still have not worked out why my credit card never worked in Canada.
I was lucky tgat the hotel i stayed in, in Hamilton, had an aussie manager and together we worked out how to get me enough cash to get me by.

I did try a debit card in Canada with the same problem.
Out of all the countries i have been to, only Canada had a problem.
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I HAVE A DREAM
A WONDERFUL, PEACEFUL, BEAUTIFUL DREAM.
A DREAM OF A WORLD THAT HAS NEVER KNOWN ISLAM
A DREAM OF A WORLD FREE FROM THE HORRORS OF ISLAM.

SUCH A WONDERFUL DREAM
O HOW I WISH IT WERE TRU
 
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Gnads
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Re: Credit card debt
Reply #18 - Jan 15th, 2022 at 8:46am
 
Valkie wrote on Jan 14th, 2022 at 2:23pm:
The_Barnacle wrote on Jan 14th, 2022 at 12:11pm:
It's interesting that as interest rates have plummeted for all other types of loans, they have stayed the same for credit cards, of between 10% and 20%.

Valkie wrote on Jan 13th, 2022 at 6:33am:
So,
Whats the norm out there?
Do you people make sure you can cover the credit before you use the card, or have a debt?


As if anyone on this forum is going to admit having a large credit card debt that they can't pay off.
I would suggest that the most likely victims of credit card debt are young people who have just bought a new house


Probably correct there.

I can remember getting my first credit card, just after we were married.
We needed a bed, and we didnt have the cash to buy one.
We heard about these credit card things and i got my very first bank card at the ripe old age of 22.
We bought a cheap whitewood bed and mattress for $300.00 a princely sum when your take home pay was less than $200.00 a week.
Took less than 2 months to pay it off.

I bought some stain and clear coat and painted the bed to make it nice.
Meanwhile we slept on the floor.
42 years later, that bed ( with a nice new mattress) is a spare in one of our visitors rooms.
Recently we purchased another bed and mattress for the other spare room.
Didnt go all out, but wanted a good bed for visitors.
$2,000.00 later we have a nice bed, but not as good as our own.

Our own main mattress cost us over $2500.00, 3 years ago
Now thats a nice mattress.

 
I've bought 2 expensive mattresses in the past 10 years ....

the first a Tempur memory foam mattress - supposedly the ducks nuts

made holes on both sides of bed for myself & wifes sides & put a big rise in the middle

2 year ago had had enough & went & bought another mattress ...

said I didn't want a memory foam...

was assured this ($3600) one was all individual coils .....

bs ... it has more memory foam than coils & has done exactly the same as the Tempur.

Bloody sales assistants   Angry
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"When you are dead, you do not know you are dead. It's only painful and difficult for others. The same applies when you are stupid." ~ Ricky Gervais
 
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Valkie
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Re: Credit card debt
Reply #19 - Jan 15th, 2022 at 3:05pm
 
Gnads wrote on Jan 15th, 2022 at 8:46am:
Valkie wrote on Jan 14th, 2022 at 2:23pm:
The_Barnacle wrote on Jan 14th, 2022 at 12:11pm:
It's interesting that as interest rates have plummeted for all other types of loans, they have stayed the same for credit cards, of between 10% and 20%.

Valkie wrote on Jan 13th, 2022 at 6:33am:
So,
Whats the norm out there?
Do you people make sure you can cover the credit before you use the card, or have a debt?


As if anyone on this forum is going to admit having a large credit card debt that they can't pay off.
I would suggest that the most likely victims of credit card debt are young people who have just bought a new house


Probably correct there.

I can remember getting my first credit card, just after we were married.
We needed a bed, and we didnt have the cash to buy one.
We heard about these credit card things and i got my very first bank card at the ripe old age of 22.
We bought a cheap whitewood bed and mattress for $300.00 a princely sum when your take home pay was less than $200.00 a week.
Took less than 2 months to pay it off.

I bought some stain and clear coat and painted the bed to make it nice.
Meanwhile we slept on the floor.
42 years later, that bed ( with a nice new mattress) is a spare in one of our visitors rooms.
Recently we purchased another bed and mattress for the other spare room.
Didnt go all out, but wanted a good bed for visitors.
$2,000.00 later we have a nice bed, but not as good as our own.

Our own main mattress cost us over $2500.00, 3 years ago
Now thats a nice mattress.

 
I've bought 2 expensive mattresses in the past 10 years ....

the first a Tempur memory foam mattress - supposedly the ducks nuts

made holes on both sides of bed for myself & wifes sides & put a big rise in the middle

2 year ago had had enough & went & bought another mattress ...

said I didn't want a memory foam...

was assured this ($3600) one was all individual coils .....

bs ... it has more memory foam than coils & has done exactly the same as the Tempur.

Bloody sales assistants   Angry


We have always bought the same type of mattress.
But when the old one died, we could no longer get that one.
Nothing is worse than getting a bad mattress, you just cant sleep.
We finally found some that were the ones quality motels use.
And they were cheaper than some of tge other brands.

We now believe we will be up for a new mattress every 5 years or so, but our old ones used to give us 10.

Its weird
As you get older, you need more comfort.
When i was young, i could comfortably sleep on the ground or even the floor.
Now, even a crease in the sheets is a problem.
Gee i hate getting old.


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I HAVE A DREAM
A WONDERFUL, PEACEFUL, BEAUTIFUL DREAM.
A DREAM OF A WORLD THAT HAS NEVER KNOWN ISLAM
A DREAM OF A WORLD FREE FROM THE HORRORS OF ISLAM.

SUCH A WONDERFUL DREAM
O HOW I WISH IT WERE TRU
 
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