TexasCHLforum.com

I opened up my mailbox and......PLASTIC! this is a very very good thing. I am PUMPED......Off to do the rest of my Christmas shopping......

HotLeadSolutions wrote:I opened up my mailbox and......PLASTIC! this is a very very good thing. I am PUMPED......Off to do the rest of my Christmas shopping......

I hate being in debt and no more 0% loan with 4% fees. Creditor wants to use you in anyway possible. Have you seen how much credit card rates are? how about 23-30% for someone who has 750+ rating?

Beiruty wrote:

HotLeadSolutions wrote:I opened up my mailbox and......PLASTIC! this is a very very good thing. I am PUMPED......Off to do the rest of my Christmas shopping......

I hate being in debt and no more 0% loan with 4% fees. Creditor wants to use you in anyway possible. Have you seen how much credit card rates are? how about 23-30% for someone who has 750+ rating?

Credit card rates are ZERO PERCENT if you pay your bills on time.

Sorry for the confusion...I was referring to my CHL. I call it my American Express Card because...I never leave home without it...

Barbi Q wrote:

Beiruty wrote:

HotLeadSolutions wrote:I opened up my mailbox and......PLASTIC! this is a very very good thing. I am PUMPED......Off to do the rest of my Christmas shopping......

I hate being in debt and no more 0% loan with 4% fees. Creditor wants to use you in anyway possible. Have you seen how much credit card rates are? how about 23-30% for someone who has 750+ rating?

Credit card rates are ZERO PERCENT if you pay your bills on time.

Beware! Read the fine print, Barbi. I always pay my name brand credit card off in full each month. I am what the credit card industry calls a "free loader." I was quite surprised to find a debit of $1.50 on my last bill, captioned "minimum interest charge." Like so many others I do not bother reading the fine print they regularly send me explaining their rules.

While this is a miniscule fee, in comparison with the interest I am not charged on a month's free use of their money, it was aggravating, but not enough to take the time to write a useless letter complaining.

Elmo

HotLeadSolutions wrote:Sorry for the confusion...I was referring to my CHL. I call it my American Express Card because...I never leave home without it...

Congratulations on the CHL.

New plastic? Where are your Wally Walk pictures?

b322da wrote:

Barbi Q wrote:

Beiruty wrote:

HotLeadSolutions wrote:I opened up my mailbox and......PLASTIC! this is a very very good thing. I am PUMPED......Off to do the rest of my Christmas shopping......

I hate being in debt and no more 0% loan with 4% fees. Creditor wants to use you in anyway possible. Have you seen how much credit card rates are? how about 23-30% for someone who has 750+ rating?

Credit card rates are ZERO PERCENT if you pay your bills on time.

Beware! Read the fine print, Barbi. I always pay my name brand credit card off in full each month. I am what the credit card industry calls a "free loader." I was quite surprised to find a debit of $1.50 on my last bill, captioned "minimum interest charge." Like so many others I do not bother reading the fine print they regularly send me explaining their rules.

While this is a miniscule fee, in comparison with the interest I am not charged on a month's free use of their money, it was aggravating, but not enough to take the time to write a useless letter complaining.

Elmo

You beat me to it. Remember the CC companies are not out to lose money, and the new rules say they can't (yeah, sure) pump the retailers as badly as they did before (hopefully that will soon show up in store prices). Higher yearly fees, 30% interest (and they do figure out ways for you to "miss" the payment deadline). Check out the text of the committee investigations. Credit cards are as expensive as ever, maybe more than ever, and that's cash that could have been used elsewhere.

Barbi Q wrote:New plastic? Where are your Wally Walk pictures?

Yeah!

RPB wrote:CORN GRAD SHOE LAY SHUNS !!!

It took me a minute to figure that out ....

Congrats on the plastic!

Wally Walk pics to follow?

And remember, CHL is a carry daily, apply sparingly kinda thing.

SecedeTX wrote:Congrats on the plastic!

Wally Walk pics to follow?

And remember, CHL is a carry daily, apply sparingly kinda thing.

Not sure I follow the "apply sparingly kinda thing" part of your message.

Don't use it unless required=use it sparingly......