@Tinkrbl44 My daughters and my investment guy keeps telling me I need some kind of credit card, but I usually let my daughters put airplane, hotels, etc on their credit card and pay them back. That way they get the points.
I just hate writing checks so I make stuff come out automatically. I know I'm lucky. I own my car, my house and don't have bills except the regular ones.
When my husband was alive I took care of household stuff and he had credit cards for his businesses (he was an investor). He was extremely successful.
I can't imagine some of the bills some people acquire here on QVC (easy pay). The interest is crazy on every credit card.
Recent conversation I had with my friend I eat with. She's 55 retired government, widow and has plenty of money. We were talking about how easy it is for criminals to get credit card numbers and I said credit card companies could make it more difficult but they don't care. They just pass any loss on to the customers.
Here's one of the ways my late husband and I played the credit card game. He had an American Express card that was unlimited. When we bought our last card together before he died, we charged the warranty on it. At the time it was at least (i'm guessing) $6,000. It was a very expensive car. Then we put some of the extras on it.
We had so many points we went to New Orleans (my favorite place) , took the family, stayed at the Ritz Carlton there, and on and on. Then when we got the bill he just paid it off! The poor guy who let us do that lost his job because it cost the car dealership a lot of money (AmEX charges businesses to use it). We felt terrible and tried to contact the guy but couldn't get his address. We had no idea.
My daughter (oldest) does things like that). So does my other daughter and her husband. My daughters learned from their Dad about managing money. You invest it and make it work for you.
I cringe every time one of the QVC hosts talk about that credit card and say, "If you use your credit card you can get it on easy pay".
A nurse in one of my Drs offices lost her job because she bought a huge TV and stuff from QVC (on easy pay) and then didn't pay the bill. My Dr had to let her go because it was affecting her work.
I always told my girls. Never be impressed by material things people have. Most of the time it means they are hiney hole in debt. Any fool can spend a lot of money for something.
I'm not inferring anyone here does any of that. I don't know anyone here. I'm just saying in general. I know I don't like writing checks so I do what I can to avoid having to do it.
I went through a time when I bought a lot of QVC and HSN stuff (after my husband died) but I always paid for it. I have given away so much stuff, you have no idea. Then I got to where either I have it or don't want it (boring).
I love the vacuum, computer, camera, stuff shows, I don't watch them and save money! Ha!
Have a good day.
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