what is the point of a credit card?

Discussion in 'The Bar' started by Napoleon V2, Sep 29, 2013.

  1. Napoleon V2

    Napoleon V2 New Member Banned User

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    why spend money you don't have?
    or if you do have it why use a credit card?
     
  2. Harry Gibbs

    Harry Gibbs the boss of all men

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    to build credit.
     
  3. zhukov

    zhukov Time traveler Gold

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    convenience

    of course you pay it off each month

    riiiiiiiiiiiiiiiiiiiiiiiiiiight?
     
  4. DarkFriday

    DarkFriday Fired as a MOD...Twice. Gold

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    To keep the poor in their place :coffee:
     
  5. Napoleon V2

    Napoleon V2 New Member Banned User

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    right
     
  6. Napoleon V2

    Napoleon V2 New Member Banned User

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    didn't usury used to be illegal?
     
  7. VeeB

    VeeB I have a Full Member VIP

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    My husband and I just took a four day vacation to Seattle, stayed at a 4 star hotel, and flew business class for zero dollars.

    Points bitch.
     
  8. Mr. Potato Head

    Mr. Potato Head ~Would Like to Play~ Gold

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    Travel expenses.
     
  9. P-B

    P-B Honourary Canuck Gold

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    To rent a car or reserve a hotel room.
     
  10. DogStar69

    DogStar69 Well-Known Member

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    The point is so that you don't have to carry large amounts of money with you for large purchases. If you don't have the money to pay them off you shouldn't use them unless there is an emergency. They have benefits, if you pay off the full amount each month you don't have to pay interest, and some extend the warranty on items purchased or off collision waivers on car rentals and some earn cashback.
     
  11. DarkFriday

    DarkFriday Fired as a MOD...Twice. Gold

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    Not in America :salute:: oy:
     
  12. Napoleon V2

    Napoleon V2 New Member Banned User

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    why not use a debit card then?
     
  13. DarkFriday

    DarkFriday Fired as a MOD...Twice. Gold

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    Strip clubs
     
  14. Markijuano

    Markijuano Well-Known Member

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    Extend payment of frivolous purchases, prove ability to satisfy financial obligations, open the doors to consumers while maintaining savings in tact, among others.
     
  15. Napoleon V2

    Napoleon V2 New Member Banned User

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    I donate to DS on my credit card
     
  16. Harry Gibbs

    Harry Gibbs the boss of all men

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    not for jews.

    you also get protections from credit card companies. for example, if your product is bunk and the store won't take it back, your credit card company will attack the business for you. it's a good deal as long as you don't use it irresponsibly.
     
  17. DarkFriday

    DarkFriday Fired as a MOD...Twice. Gold

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    Ditto
     
  18. VeeB

    VeeB I have a Full Member VIP

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    This. For example, we purchased a "Ripper" vape pen at HempCon. 3 weeks later it stopped working. After many attempts at emailing and calling the company went ignored, we did a chargeback.

    'Murica. Where you can do chargebacks on purchases made at weed conventions.