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<blockquote data-quote="blacksheep10" data-source="post: 417774" data-attributes="member: 13"><p>anyone that uses a debit card every day and is scared of a CC is either irresponsible, or ignorant (ignorant, not stupid, not dumb; intentionally uninformed). </p><p>When I used a DC all the time ( I had a paycheck. now I don't, so I pay cash) I kept a perfect record of my expenditures in my register, as if I were writing a check. I balanced my register all the time. I could go as low as $.01 in my account and I have never had an overdraft charge. </p><p>That was dumb. At the end of my day job employment, I started using a cc. Keep the SAME TRACK OF SPENDING that you would with a dc. I wrote my cc transactions down like i was using my dc. The bank still says I have that amount of money in it (not going down) but it is already spent, because a quick look in the register tells me where my real balance, the amount of money I really have, is. </p><p>You are doing 2 things. If you have a low score, it helps. At the end of the month, take that money you didn't spend on a dc and pay the cc. ZERO INTEREST IS CHARGED IF YOU PAY OFF AT THE END OF THE MONTH! You are also earning points on purchases you would have made anyway, gas, food, auto repair, WTF ever you buy, tampons. what. the. ****. ever</p><p></p><p>Just don't be dumb. That's really it, keep records, don't overspend, pay off at month's end. That's it. Free money in points. FREE money. If you're responsible.</p></blockquote><p></p>
[QUOTE="blacksheep10, post: 417774, member: 13"] anyone that uses a debit card every day and is scared of a CC is either irresponsible, or ignorant (ignorant, not stupid, not dumb; intentionally uninformed). When I used a DC all the time ( I had a paycheck. now I don't, so I pay cash) I kept a perfect record of my expenditures in my register, as if I were writing a check. I balanced my register all the time. I could go as low as $.01 in my account and I have never had an overdraft charge. That was dumb. At the end of my day job employment, I started using a cc. Keep the SAME TRACK OF SPENDING that you would with a dc. I wrote my cc transactions down like i was using my dc. The bank still says I have that amount of money in it (not going down) but it is already spent, because a quick look in the register tells me where my real balance, the amount of money I really have, is. You are doing 2 things. If you have a low score, it helps. At the end of the month, take that money you didn't spend on a dc and pay the cc. ZERO INTEREST IS CHARGED IF YOU PAY OFF AT THE END OF THE MONTH! You are also earning points on purchases you would have made anyway, gas, food, auto repair, WTF ever you buy, tampons. what. the. ****. ever Just don't be dumb. That's really it, keep records, don't overspend, pay off at month's end. That's it. Free money in points. FREE money. If you're responsible. [/QUOTE]
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