A Quote by Sarah Louise Delany
The world is a puzzling place today. All these banks sending us credit cards, with our names on them. Well, we didn't order any credit cards! We don't spend what we don't have. So we just cut them in half and throw them out, just as soon as we open them in the mail. Imagine a bank sending credit cards to two ladies over a hundred years old! What are those folks thinking?
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We can't exactly figure out why, but our customers have no fears of using their checking account, while credit cards are still a problem. I'm assuming checks have been around longer, and are more trusted, while credit cards have a sort of stigma attached to them.
Secured cards can be helpful credit rebuilding tools for two reasons. First, because of the collateral, you can get them at a time when you're not likely to be approved for nonsecured cards. And as long as you maintain an on-time payment history, they can help you start to build a recent credit history that's fairly pristine.
Don't cut up your credit cards, the problem is not the cards, it's the lack of financial literacy of the person holding the cards and always make the best out of a bad situation
Credit cards have been extremely profitable to banks. They're profitable not from the fees they collect from the retailers that use the credit cards, that pays the bills, but the real profits come from the interest payments and the charges to users that are unexpected.
If you want to spend more money in restaurants, use credit cards more than cash. If you want to spend less, use cash more than credit cards. But in general, we can think about how to use the pain of paying and how much of it do we want. And I think we have like a range. Credit cards have very little pain of paying, debit cards have a little bit more because you feel like today, at least it is coming out of your checking account, and cash has much more.
I'm not extravagant, so I won't need to rein it in too much. Me and my friend make each other cards. I love being creative and making things. But a better credit crunch idea is to not even bother sending cards.
There are lots of families who - who make irresponsible purchases. There are also a lot of families who have debt on credit cards because they use those credit cards to pay for medical bills.
Turn down offers for new cards or credit line increases on your current cards. Credit's tight, and chances are, you're not getting many offers anyway. But if you do, remember that the less credit you have available, the less trouble you can get into.
Early in my career when we went to golf tournaments and charity dinners I noticed businessmen and executives would give the players their cards. Well, they're giving you their cards for a reason. I said to my wife, 'All the guys get these cards and then when they get to the parking lot they rip them up or throw them away. It's really weird.' My wife .. said maybe you should just sign a picture and mail it to them. You know, 'Great playing golf with you,' or whatever. So, I did and lo and behold some of those guys I sent pictures to way back then are now CEOs at big companies.
No. It is not acceptable that the 6 largest financial institutions in this country have assets of almost 10 trillion dollars, and issue half of the mortgages and two-thirds of the credit cards. That is too much wealth and power in the hands of a few. If Teddy Roosevelt were alive today he'd tell us to 'break them up.' And he'd be right. These huge banks must be broken up.
In spite of the dominant role played by women in both farming, they are denied credit as they lack land titles. Only a small percentage of Kisan Credit Cards goes to them.
No one lives on credit in France because banks don't allow overdrafts and zero percent credit cards do not exist.
Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - always a good thing.
I have a lovely light blue Kate Spade wallet. It has pockets for many credit cards, business cards, health insurance cards, and a Burke Williams card for when I want to go to the spa!
You have two pages, that's the whole credit card agreement. The terms are clear and flat and easy to see so anyone can read them. So you could lay four credit cards in front of you and say, 'Oh, that's the one that has the highest rate, that's the one that has the really scary provision that could hurt me.'
I use debit cards for everyday purchases, as I don't believe in credit cards. But this has caused problems, especially with American touring, because I refuse to have a credit card - and in America you can't pay for anything on a debit card.
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