Originally Posted by The Heron (Post 17453484)

and I managed to double my credit with a new card during the peak of the financial crisis. I pay my cc off monthly and actualy make money from mine with cash back rewards and my new cc gets me other perks. So cc managed properly can actually be profitable!

Originally Posted by woj (Post 17453480)

that won't change anything anyway, people will still live beyond their means, so they will still get fucked on fees/interest, and banks will still be evil... :2 cents:

Originally Posted by 2012 (Post 17453354)

* no credit only cash accepted
* we also use an abacus to calculate totals
* you been here befaw ?

Originally Posted by Amputate Your Head (Post 17453478)

the other problem woj, is that they advertise everywhere, tv for example, with images of baseball games and children and all that crap, but never warn of consequences, never recommend using credit responsibly... even beer commercials tell you to drink in moderation. the cc's only focus is to try to get you spend, spend, spend.

when was the last time you saw a CC commercial talking about financial responsibility?

the odds are stacked against you no matter how much you try to understand their fine print or their risks. there is so little to be gained, and so much to lose, when all that has to be done is simply don't accept their offers.

Originally Posted by woj (Post 17453502)

you might be right, if you are not comfortable with their rules or the way they do business, not using credit cards is a fine choice...

I think credit cards are a useful tool if used correctly, there are certainly some risks involved but some benefits too, for me the benefits outweigh the risks...

Originally Posted by Amputate Your Head (Post 17453526)

btw, i also don't play in the casinos. the odds are always in the house's favor. :)

Originally Posted by Amputate Your Head (Post 17453384)

so it was back to the old standard reply..... take everything they sent, including the external envelope, shove it all inside the return prepaid envelope, fill up the rest with trash & rocks, and mail it back with a sticky note: "no thank you." :)

Originally Posted by rowan (Post 17453707)

Hope you crossed out your details first?

I find it quite satisfying to scribble "NO THANKS" over the return reply bit pretty much as soon as I receive the offer, knowing that if I falter in the future - sheet of paper still in the "to shred" pile - the offer will be be void anyway.