The temptation to correct people

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

Postby Nixon » Mon Jun 29, 2015 10:20 pm

CarefulBuilder14 wrote:
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.


Still a flippin' idiot.

There remains a subset of people that primarily use their CC's to finance large purchases. Only ever use debit/check for daily.
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Gamma
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Re: The temptation to correct people

Postby Gamma » Tue Jun 30, 2015 12:16 am

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

Sorry, but I'm a bit slow. What is that bolded section in reference of?

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CarefulBuilder14
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Re: The temptation to correct people

Postby CarefulBuilder14 » Tue Jun 30, 2015 12:28 am

Gamma wrote:
CarefulBuilder14 wrote:June 11? I guess Sheri of Cypress, CA isn't very happy about SCOTUS... :ppp

Sorry, but I'm a bit slow. What is that bolded section in reference of?

See whit's link in the post before that.

If a homophobic Chase customer was unhappy on June 11 about Chase having an "LGBT month", that person would have since become a lot angrier after a pro-gay Supreme Court ruling.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

MemberSince99
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Re: The temptation to correct people

Postby MemberSince99 » Tue Jun 30, 2015 8:18 am

Oh boy, here we go into the muddy waters of politics.

Personally I think it's weird but I don't care. I will say if our idiot politicians of both parites would spend less time grandstanding and playing political games, and paying off the people who give them money with our tax dollars, the country would be better off, but I don't expect to ever see that happen. They are all pathetic and that's why the country is so totally screwed up and things are getting worse not better.

That's all I have to say on that. Besides I don't vote because two parties are really one party and neither one cares one single bit for the American people.

Let them wave their flags, threaten to go bomb or invade some other country, and do all their corrupt evil while they lurk in bathrooms trying to pick up other dudes as they moan about how the morals of this country are degenerating, whatever. They are pitiful. I have more respect for the Ebola virus than them.

Vermonster
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Re: The temptation to correct people

Postby Vermonster » Tue Jun 30, 2015 8:29 am

Pretty sure this is why we leave politics out of it. I think statistically speaking there is a greater chance that we will find 2 people with the same birthday than the same political views.


At work I take a lot of credit cards. We will never be in anything other than a 1% "other" spending. But you would be shocked at how many people have the dumbest lineup of cards. I'll try and list what I can remember seeing.

A single CSP. We talked about it, she loves the card but she didn't know what the perks were :confused:
An Amex Green, Gold, and Costco TE. Not sure the plan here, must be something along the lines of separating idiots from their money.
Only a BoA debit card. Not a huge deal but they had their card number stolen 3 times in 4 months. They lost a lot of money, not sure if they got it back.

We get lots of Debit cards and local bank branded credit cards. I have never in 3 years seen a Citi card, or a Cap One. It's hard to not talk to people about their card choices, but it is the last thing they want to hear from me as I'm taking their money. Instead my wife gets to hear all about it.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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kcm7
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Re: The temptation to correct people

Postby kcm7 » Tue Jun 30, 2015 8:49 am

whit wrote: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 (;



I think a lot of people just assume the rewards you get are useless -- or some kind of trick. In any case, too much of a hassle to even waste your time on.

Recently, I was shocked when I found out my dad had quite a bit of cash back earned with his card. He just assumed the rewards were worth far less than the time he'd spend redeeming them and that they "probably had some tricks that prevent you from using them how you want, or charge you money for using them." He was surprised when I showed him how easy it was to use his cash back on Amazon.

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CarefulBuilder14
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Re: The temptation to correct people

Postby CarefulBuilder14 » Tue Jun 30, 2015 11:24 am

Vermonster wrote:A single CSP. We talked about it, she loves the card but she didn't know what the perks were :confused:
An Amex Green, Gold, and Costco TE. Not sure the plan here, must be something along the lines of separating idiots from their money.
Only a BoA debit card. Not a huge deal but they had their card number stolen 3 times in 4 months. They lost a lot of money, not sure if they got it back.

We get lots of Debit cards and local bank branded credit cards. I have never in 3 years seen a Citi card, or a Cap One. It's hard to not talk to people about their card choices, but it is the last thing they want to hear from me as I'm taking their money. Instead my wife gets to hear all about it.

Having a Green and a Gold is pretty awful when it comes to card inefficiency. That's $255 in annual fees for pretty lousy rewards and mediocre perks. Carrying one PRG might make more sense.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Gamma
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Re: The temptation to correct people

Postby Gamma » Tue Jun 30, 2015 11:34 am

CarefulBuilder14 wrote:
Gamma wrote:
CarefulBuilder14 wrote:June 11? I guess Sheri of Cypress, CA isn't very happy about SCOTUS... :ppp

Sorry, but I'm a bit slow. What is that bolded section in reference of?

See whit's link in the post before that.

If a homophobic Chase customer was unhappy on June 11 about Chase having an "LGBT month", that person would have since become a lot angrier after a pro-gay Supreme Court ruling.

Wow I didn't know a big bank such as Chase would support a group that would potentially make them lose many customers or maybe taking a chance to gain more customers than lose? Daring move on their part and I applaud their decision.

kdm31091
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Re: The temptation to correct people

Postby kdm31091 » Wed Jul 01, 2015 9:18 pm

Nixon wrote:
CarefulBuilder14 wrote:
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.


Still a flippin' idiot.

There remains a subset of people that primarily use their CC's to finance large purchases. Only ever use debit/check for daily.


If people want to use debit, it doesn't mean they're idiots....everyone has their own preferences and they do what works for them. Some people end up overspending with credit cards, so they control themselves by not using credit for every purchase. Yes, you are able to use it for everything and pay it off, but everyone isn't like that, so they may use debit to help control themselves.

Or they simply aren't aware of the benefits of the credit cards...or maybe they simply don't care about 1-2% in rewards, and again, that's their prerogative. Some people don't want to bother with it.

whit
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Re: The temptation to correct people

Postby whit » Wed Jul 01, 2015 10:36 pm

kdm31091 wrote:
Nixon wrote:What a flippin' idiot. Debit card.....


If people want to use debit, it doesn't mean they're idiots....everyone has their own preferences and they do what works for them. Some people end up overspending with credit cards, so they control themselves by not using credit for every purchase. Yes, you are able to use it for everything and pay it off, but everyone isn't like that, so they may use debit to help control themselves.

Or they simply aren't aware of the benefits of the credit cards...or maybe they simply don't care about 1-2% in rewards, and again, that's their prerogative. Some people don't want to bother with it.
[/quote]

I agree, but I'd like to say

I rather have "flippin' idiots" that use debit cards and lose out on the potential 1-2%, maybe 3-5% of cash back..but use money they actually have

Than to run up the bill, pay through the nose in apr or flick off the cc company with the bill but actually passes it along to us regular folks..

Yeah, I'll take a flippin' idiot that is at least responsible for their $$ more than the ones whose getting the cashback.



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