The temptation to correct people

For just about anything you want to get off your chest about credit cards.
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Gamma
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Re: The temptation to correct people

Postby Gamma » Mon Jun 29, 2015 12:33 am

whit wrote:
Gamma wrote:This thread is entertaining. I work as security in a Bank of America branch and one time during lunch, I overheard a personal banker telling a teller how she refuses to use her reward credit cards because she would always overspend money that she don't have. She prefers to use cash to know exactly how much she has. About a week later, she tries to get me to sign up for the cash rewards card and I basically told her the same thing she told the teller (obviously I don't use cash) and she went on to tell me it's easy to keep track of spending by going online. I wanted to tell her the same thing but I figured she'd say anything to try to reach her quota.


Bankers on that level is basically a used sales car monkey as in a monkey can do their jobs

Unless they're bringing value into the conversation

But I don't blame them, I blame the folks up top breathing down on the boss of her boss.

however, Bank of America forgets that them having the largest footprint of branches allowed them to have a lio share of retail accounts that depend on having the ability to send their workers down the street to make deposit and do change orders.

They don't need to churn out so much instant products as they do building and retaining their current relations

That's a good comparison lol


OldMan
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Re: The temptation to correct people

Postby OldMan » Mon Jun 29, 2015 5:34 am

I've found that most people don't really want advice from strangers, and some don't even want it from a friend. That being said, what I usually do is mention this site and a few others for them to look up for themselves. I've gotten a strange look from time to time, but mostly they seem to like it. The one I hear the most, is how credit cards are evil.
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MemberSince99
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Re: The temptation to correct people

Postby MemberSince99 » Mon Jun 29, 2015 6:05 am

If you use them in a stupid way, they are evil. Nothing except those payday and title loan places is a worse idea financially, if you are paying almost 30% interest on everything you buy.

If you use them smart then they become pretty neat.

I work with a guy who spent a lot of time in big debt it took him years to pay off due to medical expenses. To this day, even though he has a Citi card with rewards and a 34k limit, he won't use it - he pulls out his debit card instead. I tried to tell him dude you should be using your credit card instead, and he acknowledged the reasons (security and rewards) are correct, but he just can't bring himself to use the card after so much time in debt hell.

Personally I don't "get" why that should affect now, but that's how it is.

kdm31091
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Re: The temptation to correct people

Postby kdm31091 » Mon Jun 29, 2015 8:35 am

If people want to be uneducated about credit, it's their problem. You don't want to come off as a know-it-all. Especially being a stranger. Most people will just, as revelate said, assume you're a jackass.

Nixon
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Re: The temptation to correct people

Postby Nixon » Mon Jun 29, 2015 9:01 am

Debit is so passe.
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kcm7
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Re: The temptation to correct people

Postby kcm7 » Mon Jun 29, 2015 10:51 am

This weekend, a friend took out her PRG card to pay at a restaurant. I remarked at how great that card was rewards-wise, and she goes, "Oh I don't do anything with the rewards. I just know AmEx is the best, that's why they charge you so much per year for the card."

I smiled. But I was really thinking That. Card. Is. $195. A. Year. Use. Your. Effing. Rewards.

I also wondered how many MR points she has, just sitting there.

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whit
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Re: The temptation to correct people

Postby whit » Mon Jun 29, 2015 8:54 pm

She probably has it for other reasons people wouldn't comprehend as normal like, having it for the sake of the name, brand/imaging or because her husband will use the rewards and she just picks up the goods (;

Some things will just never make sense

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CarefulBuilder14
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Re: The temptation to correct people

Postby CarefulBuilder14 » Mon Jun 29, 2015 9:53 pm

kcm7 wrote:This weekend, a friend took out her PRG card to pay at a restaurant. I remarked at how great that card was rewards-wise, and she goes, "Oh I don't do anything with the rewards. I just know AmEx is the best, that's why they charge you so much per year for the card."

I smiled. But I was really thinking That. Card. Is. $195. A. Year. Use. Your. Effing. Rewards.

I also wondered how many MR points she has, just sitting there.

A few days ago I saw someone at a checkout line digging through her purse for a debit card. One of the cards she set aside while digging was a PRG.

Not sure what the story was there. Maybe it was just a card for business travel.

...

June 11? I guess Sheri of Cypress, CA isn't very happy about SCOTUS... :ppp
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Nixon
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Re: The temptation to correct people

Postby Nixon » Mon Jun 29, 2015 10:02 pm

CarefulBuilder14 wrote:
kcm7 wrote:This weekend, a friend took out her PRG card to pay at a restaurant. I remarked at how great that card was rewards-wise, and she goes, "Oh I don't do anything with the rewards. I just know AmEx is the best, that's why they charge you so much per year for the card."

I smiled. But I was really thinking That. Card. Is. $195. A. Year. Use. Your. Effing. Rewards.

I also wondered how many MR points she has, just sitting there.

A few days ago I saw someone at a checkout line digging through her purse for a debit card. One of the cards she set aside while digging was a PRG.

Not sure what the story was there. Maybe it was just a card for business travel.

...

June 11? I guess Sheri of Cypress, CA isn't very happy about SCOTUS... :ppp


What a flippin' idiot. Debit card.....

UNLESS it was a Discover checking and she was swiping once per item.
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CarefulBuilder14
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Re: The temptation to correct people

Postby CarefulBuilder14 » Mon Jun 29, 2015 10:15 pm

Nixon wrote:What a flippin' idiot. Debit card.....

UNLESS it was a Discover checking and she was swiping once per item.

The store is coded as groceries for Amex, so she could have gotten extra MRs. She was getting maybe $100 of food and supplies in one big transaction. I didn't recognize the debit card, she just told the cashier she was looking for it.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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