tag:blogger.com,1999:blog-7647694188589792766.post132128243066313784..comments2022-12-04T20:18:36.769-06:00Comments on The Bredenbergs: Cut ‘em up!Rollinhttp://www.blogger.com/profile/03148286337452078849noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-7647694188589792766.post-14661522993372649352007-01-27T05:42:19.000-06:002007-01-27T05:42:19.000-06:00We stopped using ours about a year ago and haven&#...We stopped using ours about a year ago and haven't looked back... except that time where we had the identity theft thing and had to cancel our bank card and get new ones. I recommend keeping one credit card as backup, unless they start billing for it.Jayhttp://www.hornes.orgnoreply@blogger.comtag:blogger.com,1999:blog-7647694188589792766.post-36730418140917816262007-01-29T03:22:42.000-06:002007-01-29T03:22:42.000-06:00I guess I should clarify - It's not just the i...I guess I should clarify - It's not just the idea of an annual fee that torques me off and makes me want to shred the cards. That is annoying, but only as part of a discussion of credit card companies "finding new ways to be profitable." I've paid annual fees before, though if given the choice I would opt not to. <br><br>What is worse is the discussion of all the current tactics used, such as the Universal Default Clause, and having heard many stories about the unethical and occasionally illegal tactics used by the collections departments of the major credit cards. Oh, that and the fact that my TWO YEAR OLD has received credit card offers already! Dead people and dogs can get credit cards! And yet people go around worshiping the credit score and doing things to keep their credit score "healthy", when all it really means is that you borrow money and stay just enough in debt to make other people want to loan you more money so you can be more in debt! <br><br>Okay, okay, I'll stop now...Rollinhttp://www.bredenbergs.comnoreply@blogger.comtag:blogger.com,1999:blog-7647694188589792766.post-79460378739176573182007-02-04T02:41:22.000-06:002007-02-04T02:41:22.000-06:00I in general won't pay an annual fee for credi...I in general won't pay an annual fee for credit cards. I have one through US Airways that gives me 1.5 miles/dollar that waives fees for the first two years. I might keep that one going.<br><br>If you do pay off your credit card every month, then it really is like getting a free monthly loan, interest free. Although some people can't handle the level of responsibility it takes to do so, I personally never charge more than what I can fully pay for. So, I get 1-5% cash back or miles or whatever, and I don't ever pay finance charges. The few times I do, it's b/c I've somehow forgotten to send in the online bill or something. My track record is so good though that almost every time, that finance charge and late fee are taken off.Minh Hannoreply@blogger.com