Vattené wrote:How much do you think having all of these specialized cards impacts their spending, too? Going out to a restaurant because you have a special card for it (not that it is a conscious decision, more an influence on behavior) may get you 3% back on what you spent, but if you're spending more you're not gaining anything at the end of the day.
Vermonster wrote:Ohh but then you're shopping at Kohls and in order to get the big discounts you have to use their card. (Sidenote, Kohls did an amazing job setting up their business plan. People spend ridiculous amounts of money because they think they are saving so much.) Now your 2% is only applied to $25k.
Vattené wrote:Never pay full retail price for clothes/accessories/shoes unless (possibly) it's a luxury brand.
Vattené wrote:I think we're saying the same thing. Paying "full price," or MSRP, is a rip off because sales and discounts are so frequent. If you're paying MSRP, you're overpaying.
There are luxury brands that generally don't discount their goods because doing so and letting customers "get a deal" is perceived as devaluing the brand. If you're willing to buy a luxury brand you're already willing to pay a premium. You can get Dolce & Gabbana on sale both from department stores and directly from the company. By contrast, I've paid full price for Louis Vuitton because - as far as I know - it's rarely if ever put "on sale."
Nixon wrote:So getting back on topic (Not really!)
It seems MF is alive and well with resident straightjacket candidate Laura (Pizza1), sparking up a thread about how she is pissed about Synch not upgrading her Sam's card......
I love some of the responses (Kev, again, you show WAY too much restraint) And naturally am cringing at some of the same old coddling BS. It really solidifies the fact that I just don't belong there and never did. The number of times I had to hold back was easily half my posts there. Wow.
http://ficoforums.myfico.com/t5/Smorgas ... -p/4287698
It most definitely is bad business practice to misquote or mislead people into thinking they'll be getting one thing and get another. For example, I went on a 1 day mini vacay get away, they advertised a 40" TV in room, tv was 32...did I complain? heck yeah...got a $50 credit for the 'misleading' information on there site.