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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 09:59 AM Original message |
I have lived without credit cards for years |
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stray cat (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:04 AM Response to Original message |
1. But you have lived with credit- if you have ever been part of society it runs on credit |
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kick-ass-bob (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:09 AM Response to Reply #1 |
3. This is what most are missing. |
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closeupready (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:12 AM Response to Reply #3 |
4. No, what most are missing is HOW IS THIS GOING TO BE PAID FOR, because |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:43 AM Response to Reply #1 |
12. Yes I do have a mortgage and a car loan |
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scheming daemons (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:05 AM Response to Original message |
2. yes... but your EMPLOYER most assuredly has NOT lived without credit |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:44 AM Response to Reply #2 |
13. I work for a school district |
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pnwmom (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:04 AM Response to Reply #13 |
33. Not necessarily. Your state and/or school district may routinely function |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:08 PM Response to Reply #33 |
68. I honestly don't think our district does that |
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pnwmom (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 06:18 PM Response to Reply #68 |
82. And does your district get any money from the state? |
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jberryhill (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:05 AM Response to Reply #13 |
35. I chuckled at that one too |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:44 PM Response to Reply #35 |
76. Yes my parents were depression babies |
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nadinbrzezinski (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 05:41 PM Response to Reply #13 |
81. No they don't... many improvements on schools, for example |
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pnwmom (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:13 AM Response to Original message |
5. How do you rent a car when you need to travel? n/t |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:19 AM Response to Reply #5 |
6. You don't need a credit card to rent a car... |
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gatorboy (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:22 AM Response to Reply #6 |
8. Actually, we tried renting a car this summer with a debit card. No dice. |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:40 AM Response to Reply #8 |
10. Why? |
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AllieB (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:44 AM Response to Reply #8 |
14. The only car rental company that accepts debit is Alamo |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:47 AM Response to Reply #14 |
18. We rented from Enterprise last year with only a debit card |
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AllieB (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:52 AM Response to Reply #18 |
22. Enterprise does a credit check on you. |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:35 PM Response to Reply #22 |
74. Wouldn't they need your SS # to do that? |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:59 AM Response to Reply #14 |
30. Other rental car companies accept debit cards... |
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AllieB (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:08 AM Response to Reply #30 |
41. Then because I generally rent at airports and in metro areas, they must be stricter. |
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Subdivisions (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:36 AM Response to Reply #14 |
63. I've rented a few times with Enterprise, including a pick-up truck |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:46 AM Response to Reply #8 |
16. I use my debit card all the time like others use credit cards |
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mikelgb (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:51 AM Response to Reply #16 |
21. does your debit card have a visa or mastercard logo? |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:06 PM Response to Reply #21 |
67. yes |
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AirmensMom (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:54 AM Response to Reply #16 |
27. Do you have fraud protection? |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:46 PM Response to Reply #27 |
77. Yes I have fraud protection |
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pnwmom (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:02 AM Response to Reply #16 |
31. Are you sure it isn't one of those combined debit/credit cards? n/t |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:46 PM Response to Reply #31 |
78. Yes I am sure |
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shanti (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:32 AM Response to Reply #8 |
60. as long as it has the visa symbol |
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Hepburn (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:32 AM Response to Reply #8 |
61. My two debit cards work as credit cards, too. |
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Kind of Blue (1000+ posts) Send PM | Profile | Ignore | Wed Oct-01-08 12:17 AM Response to Reply #8 |
84. Maybe it depends on the company. I used a debit card |
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Kind of Blue (1000+ posts) Send PM | Profile | Ignore | Wed Oct-01-08 12:19 AM Response to Reply #84 |
85. Great post. I've lived without 'em too. I faced the reality that I suck |
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HughMoran (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:24 AM Response to Reply #6 |
9. No reason at all - I only use one at work - but they pay the bill!! |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:41 AM Response to Reply #9 |
11. I was talking about credit cards... |
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HughMoran (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:47 AM Response to Reply #11 |
17. That was the "no reason at all" part. I see no reason to use them at all |
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HughMoran (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:52 AM Response to Reply #11 |
23. I do not use one. |
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pnwmom (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:59 AM Response to Reply #6 |
28. My brother wasn't able to rent a car without a credit card. I was there, |
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marew (854 posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:08 AM Response to Reply #6 |
40. There is an excellent reason to have a credit card actually! |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:26 AM Response to Reply #40 |
55. I agree that people like you... |
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Just Visiting (78 posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:22 AM Response to Reply #6 |
52. If you are savvy enough, you can make the credit cards work in your favor |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:45 AM Response to Reply #5 |
15. I use my debit card |
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Lorien (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:06 AM Response to Reply #5 |
36. Ever heard of "American Express"? |
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HughMoran (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:22 AM Response to Original message |
7. I don't use credit cards either, but corporations need line-of-credit to cut paychecks. |
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supernova (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:54 AM Response to Reply #7 |
26. Yes, commercial paper |
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HughMoran (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:05 AM Response to Reply #26 |
34. Yes. A simplistic view regarding "my credit card" doesn't really acknowledge the real issue |
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jberryhill (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:07 AM Response to Reply #7 |
39. Stupid question |
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HughMoran (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:12 AM Response to Reply #39 |
45. Unfortunately, I'm not an expert on this. It may be illegal for the government to participate in |
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jberryhill (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:48 AM Response to Reply #45 |
65. "Stroke of a pen - law of the land" /nt |
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AllieB (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:50 AM Response to Original message |
19. The State of MA may not be able to pay out benefits to towns and cities because it relies on credit. |
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AllieB (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:50 AM Response to Original message |
20. Dupe. |
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EFerrari (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:53 AM Response to Original message |
24. The thing is, Bush and his cabal tried to use a real problem to hold us up |
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supernova (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:53 AM Response to Original message |
25. I use a debit card also |
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adigal (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 10:59 AM Response to Original message |
29. I have no credit cards either, but I was thinking of home equity |
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L. Coyote (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:03 AM Response to Original message |
32. I get paid back 1% of all purchases on my card. |
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RebelOne (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:06 AM Response to Original message |
37. I have not had a credit card for almost 2 years. |
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TexasObserver (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:06 AM Response to Original message |
38. You're right, but many think they have a right to live on debt instead of income. |
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AirmensMom (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:09 AM Response to Reply #38 |
42. It's not all black and white. |
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TexasObserver (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:16 AM Response to Reply #42 |
47. Guess what? |
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AirmensMom (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:56 AM Response to Reply #47 |
66. Part of this discussion |
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supernova (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:10 AM Response to Reply #38 |
43. It's the same reason |
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TexasObserver (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:18 AM Response to Reply #43 |
48. Good for you. And your reward is ... |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:20 AM Response to Reply #38 |
50. I'm a convert to this way of thinking... |
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TexasObserver (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:30 AM Response to Reply #50 |
57. Good for you! |
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Evoman (1000+ posts) Send PM | Profile | Ignore | Wed Oct-01-08 01:37 AM Response to Reply #50 |
86. I have a credit card and I find it almost impossible to use...like you, I pay cash. |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:11 PM Response to Reply #38 |
69. I put X number of dollars into savings every month |
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TexasObserver (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 05:39 PM Response to Reply #69 |
80. Our parents understood this better than we do. |
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TZ (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:12 AM Response to Original message |
44. You do know that if the credit crunch is not fixed there will be NO STUDENT LOANS |
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TexasObserver (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:25 AM Response to Reply #44 |
53. And you know this because someone on TV told you. |
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AlphaCentauri (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:25 AM Response to Reply #44 |
54. Time to change the system if it doesn't work |
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EFerrari (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:31 AM Response to Reply #44 |
58. My mom's business has ground to a halt. There is no financing. |
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TexasObserver (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:46 AM Response to Reply #58 |
64. If your mother's business is connected to areas experiencing decline, that's what happens. |
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AllieB (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:21 PM Response to Reply #58 |
72. No one realizes that mostly everything they purchase-food, clothes-are connected to a credit line |
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EFerrari (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:26 PM Response to Reply #72 |
73. Yep. My grocer friend looks very grim right now. |
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AllieB (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:40 PM Response to Reply #73 |
75. I am writing an OP on this right now. |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:14 PM Response to Reply #44 |
70. We have paid cash for college so far |
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madokie (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:13 AM Response to Original message |
46. Yes |
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AlphaCentauri (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:19 AM Response to Original message |
49. I did stop using my credit card 15 years ago |
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SmokingJacket (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:22 AM Response to Original message |
51. You've inspired me -- I'm getting rid of mine. |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:17 PM Response to Reply #51 |
71. Once I paid mine off - about 25 years ago, |
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cat1985 (23 posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:29 AM Response to Original message |
56. Financial Climate |
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Hepburn (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:31 AM Response to Original message |
59. Have two debit cards....and NO credit cards. |
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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 12:49 PM Response to Reply #59 |
79. You are my role model |
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TexasObserver (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 06:26 PM Response to Reply #59 |
83. Same here. |
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bamacrat (1000+ posts) Send PM | Profile | Ignore | Tue Sep-30-08 11:34 AM Response to Original message |
62. Neither do I. |
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