After someone commented that they can serve a good purpose, but only if you have total self-control:im not sure how to say this but I think saying credit cards are ok as long as you can control your self is like saying strip clubs are ok as long as you always look at the ground.
I later discovered that he considers debit to be cash, and has no problem with people using debit cards. Just credit.Your bluffing Kathy I know your bluffing. You may pay it off every month like a cooperate good girl but you spend more because of it. it hurts to use cash it feels ok to use plastic.
im sure you are good enough with money. But your choice to use a credit card is not a good one. Just use a debit card for a online purchase. The whole purpose of using cash is to not buy as much. live on less. When it comes to raising children less is more. You can only use credit in a irresponsible way some of us are just more irresponsible than others. I spend by my comment about bluffing when I hear the comment "its ok to have a credit card just pay off the balance each month" I know they are full of s[***].
Oh, well. Just my integrity? No big deal. Sorry I argued with you, dude. (Apparently the body image comment was based on the fact that I said, "I'm sorry that you think I'm a big fat liar.")um Mrs [Yellow] you just told me your life story of struggle and deliverance in order to justify why you should have a credit card. don't you find that weird? Kathy also told a story of how she raised 7 kids on a shoe string and now cant pinch pennies any longer. [Note: She actually said that she used to pinch pennies and thus won't spend more now that she has more money] Is this not a red flag. BTW I never mentioned your weight or body image just your integrity.
Or someone said, "My husband is an accountant, and he will never have a debit card. It is too easy for someone to get your number and empty your account before you even know about it." His response?
Now people are using their spouses profession as an excuse to get credit cards we truly are in the last days folks.
Goodness. I'm pretty much quoting everything he says, but they're all just so amazing!Im not saying people who are bad with money should have a credit card im saying people who have them are bad with money.
[Dragon Lady] I dont think your evil and dont really even think your a liar but if we lived in a country where people paid what they had and learned to live with out we would be better off than if we had credit even if some of you paid off the balance every month. I dont think people are liars but I do think when people are getting what they want instantly they tend to decieve even themselves. Why not have a surplus? Why not build a emergency fund? The Mormon church doesent live on credit its not by accident. Im not wrong Kathy im wrong about other things but not this. Rich people who stay rich also dont use credit.
Oh, you're right. My integrity is not personal.its not personal.
The conversation finally wound down when I said:I just mean its not personal in the sence that I would questioned anybodies integratity if they claim credit cards are ok. Its not personal for that reason i still stand by my anti credit views.
To which he responded:I think there are two main ways to use credit. 1- I want this, but I don't have the money now. But I will when my paycheck comes in a few weeks. So I'll buy it on credit, then pay it off when I have the money. 2 - I have the money right now, and I'm buying it on credit in order to build up my rewards, but I'm setting aside the money in my checking now so that when the end of the month comes I'm sure to have the money to pay it off.
I think your main argument is against the first group. I think those of us being defensive are in the second group.
My drama/humor quota is definitely filled for the night.Great analysis. I think number 1 is very foolish. number 2 is just kind of foolish.