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I do that too. And when I get my statement I check all my receipts to make sure they are all my charges.
I met someone recently who didn't notice a monthly withdrawal of $40 from her checking account for 10 months. It was one of those trial memberships that she didn't cancel. Any money taken over 60 days was gone.
I use checks and cash and I now know better where my money went...It also keeps me from buying thing i don't really need...well it does most of the time...(;>0
I hate you people The cashier lines are slower now!
A CC transaction is much faster than waiting for someone to find their cash, or write a check, find their ID, wait for the cashier to remember how to count change, listen to them argue about how much the cashier was handed, etc.
A CC transaction is much faster than waiting for someone to find their cash, or write a check, find their ID, wait for the cashier to remember how to count change, listen to them argue about how much the cashier was handed, etc.
I always have the check filled out except for the amount...
What's really fun is being behind someone and their card is rejected....
And you have to wait for a printout to sign on CC's also.
I always have the check filled out except for the amount...
You are a very rare person in my experience! Bravo.
Quote:
What's really fun is being behind someone and their card is rejected....
And you have to wait for a printout to sign on CC's also.
My card is never rejected, so I have never experienced that. The time to get the printout to sign is negligible compared to how long it takes a typical old lady in front of me to write a check. I have also had to wait behind people when their checks were rejected after being run through an automated system. That happens about as often as a rejected CC though - meaning very rarely in my experience.
Credit cards are a good deal for those who pay them off each month. For them, all the benefits of the cards are paid by those who carry a balance and pay high interest.
Since my bank won't auto-transfer the exact amount due from my savings to my card (how convenient for them!), I have a reminder alarm on my cell phone a couple days before the due date, and also have my auto-bill-pay service pay $20 (above the minimum payment) so I don't get charged a late fee. The most I pay is some interest, if in the rare event I don't heed the cell phone alarm.
I pay my credit cards off twice a month. There is no extra charge to transfer money (I pay them online), so after I make sure all the charges are correct, I pay half of the monies owed. Then, when my next paycheck comes along, I pay the other half off. That way, there is NO way I'll ever get charged a late fee and I can split the burden in half. I've been doing it for 6 years and it works great for me
dave ramsey is the sermon that most americans need to hear. i am impressed with the OP's consistent good posts. good posts are not always popular.
often good posts are not telling us what we wana hear.
And if you have good credit, they'll keep asking you to accept another card, they send them in the mail constantly unless you have a credit protection service and tell them to stop.
No need to purchase a credit protection service for that...
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The cashier lines are slower now!
