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From: =?ISO-8859-1?Q?Kir=E1ly?= on 2 Feb 2010 12:28
Ian Gregory <foo(a)prdetfanaaeextna.invalid> wrote:
> My credit card (in the UK) has the option of paying the full amount by
> direct debit every month, which is what I do.

American Express (in Canada) offers this service too, and I am signed up
with it. The banks that give me my Visa and Mastercard accounts don't.

I still try to use cash whenever I can. I find nearly everything about
cash transactions to be superior to other "more modern" methods of
payment.

--
K.

Lang may your lum reek.
From: Richard Maine on 2 Feb 2010 12:59
Kir�ly <me(a)home.spamsucks.ca> wrote:

> I still try to use cash whenever I can. I find nearly everything about
> cash transactions to be superior to other "more modern" methods of
> payment.

I'm the opposite. Use my credit cards for almost everything. Of course,
I'm a "deadbeat" in that pay them in full, and furthermore use cash
rebate cards that give me between 1% and 4% back on everything, which
adds up to something around a nontrivial $500/year for me. I don't
really approve of the cash-back game, but as long as that's the way the
game is played, I guess I'll stay on the "winning" side. I haven't yet
run into the practice mentioned in this thread, though that would sure
change things rapidly for me.

In addition to the pure financial bits, I just find the card more
convenient. I don't have to go the the bank regularly to get cash.
Paying is often actually faster with the card than with cash. I don't
have to fuss with change and the tendency of small change to build up.
(Particularly pennies; I wish they'd stop minting the darn things; yes I
know the arguments against that, but I don't agree with them). I don't
have to keep track of how much cash I have on me. I also get a nice
record of where everything went. None of the "doesn't seem like $200
should have dissappeared that fast and I don't recall spending that
much", which had a tendency to happen regularly, particularly with my
wife. (No, she isn't a spendthrift at all, but with cash, we regularly
ended up wondering where it had gone, while with the cards we have a
good record.)

I also prefer to get credit (or debit) cards in our small business. Even
though the amount the banks charge us is annoying, I'd still rather pay
that than deal with the other options. Some of the relates to our type
of business, though. (I'd much rather set up monthly auto-billing for
membership fees than have to bug the customer each month).

--
Richard Maine | Good judgment comes from experience;
email: last name at domain . net | experience comes from bad judgment.
domain: summertriangle | -- Mark Twain
From: Walter Bushell on 5 Feb 2010 16:19
In article <OwE9n.64154$PH1.58975(a)edtnps82>,
me(a)home.spamsucks.ca (Kir�ly) wrote:

> Michael Vilain <vilain(a)nospamcop.net> wrote:
> > Another solution is to overpay the credit card by a couple bucks. It
> > will force them to send you a refund check costing them way more than
> > the amount of the check in time and labor.
>
> *Force* them to send a refund cheque? Don't you have to call them to
> request that? When I accidentally overpaid (by about $500), I called to
> ask about a refund cheque. After waiting on hold for half an hour, They
> said they'd be glad to do it, but it would take six weeks of processing
> time. They said that if I wanted it faster, to just visit an ATM and
> get a cash advance in the amount of the overpayment. No interest would
> be charged on the cash advance, of course.
>
> I ended up dropping it and just spent my way out of the overpayment.

This is a feature, not a bug. If you have a low limit, you can charge up
your account by sending them money. That is if your credit limit is 5
Kilobuck, if you send them another 5 Kilobucks you will have 10
Kilobucks available.

--
A computer without Microsoft is like a chocolate cake without mustard.
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