Comments on: Cut Up Your Credit Cards, Today!

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By: ALEISH

ALEISH — Thu, 11 Jan 2007 21:01:00 +0000

I think credit cards is not "bad" if you use it right, if you are just paying your bills on time and not using it according top your credit limit. Credit cards has many advantages as long as you are using it correctly.

Here is the list of credit companies that approves bad credit creditcard for people with bad credit.

By: Anonymous

Anonymous — Wed, 10 Jan 2007 05:09:00 +0000

Some credit cards let you automate payments. My primary credit card allows me to configure it to automaticly pay my balance from my checking account on the due date, and a number of other actions.

By: MoneyMan

MoneyMan — Wed, 10 Jan 2007 02:48:00 +0000

This is one of the stupidest things I have ever heard.

I have paid off my credit card balances at the end of the month, every single month for the past seven years and gathered a ton of reward points along the way.

By: cmadler

cmadler — Mon, 08 Jan 2007 17:48:00 +0000

One problem in replacing credit card use with debit cards is the possibility of overdrafts. Someone who fails to pay off their credit cards each month is also less likely to balance a checking account.

A widespread perception exists that debit cards will be declined if the account balance is too low. This is simply not the case. Nearly all financial institutions are more than happy to pay your debit card overdrafts, and will charge you a hefty fee ($25 to $40 each) to do so. Having previously been a banker, I have seen just how easy it is to rack up $100, $200, or even $500 of overdraft fees in just a day or two.

By: Anonymous

Anonymous — Mon, 08 Jan 2007 15:22:00 +0000

Oh Vey ! There is actually a major ADVANTAGE that you are missing entirely. There are so many free credit cards that do not charge you a monthly or yearly fee for usage, as many debit cards do. If you pay off your balance every month then you can reduce the plan needed for your debit card and over a year save upwards of close to 100$. This of course is for people who are able to maintain a budget and not spend more than they have, which is not very difficult to do. There are of course banks which offer to pay off your monthly fee if you maintain a minimum monthly balance with them, but of course if you are trying to save money and invest what you have then they are often not worth it, and not all banks offer the option.