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Posted: 9/21/2023 6:37:42 PM EST
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Posted: 9/21/2023 6:39:36 PM EST
[#1]
I thought GD kept wads of greasy cheetoh dusted cash in their XXXXL coveralls.
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Posted: 9/21/2023 6:40:03 PM EST
[#2]
Well... yeah.
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Posted: 9/21/2023 6:40:18 PM EST
[#3]
Quote HistoryQuoted: I thought GD kept wads of greasy cheetoh dusted cash in their XXXXL coveralls.  Attached FileFMFPMFNI |
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Posted: 9/21/2023 6:40:33 PM EST
[#4]
Not only do I not carry a balance or pay interest, they pay me 2% for using the card.
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Posted: 9/21/2023 6:40:38 PM EST
[#5]
Not me, but my BIL likes to carry credit card debt.
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Posted: 9/21/2023 6:41:39 PM EST
[#6]
Quote HistoryQuoted: Not only do I not carry a balance or pay interest, they pay me 2% for using the card. The bad news is you paid 3% extra for the product and getting 2% rebated. |
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Posted: 9/21/2023 6:42:31 PM EST
[#7]
Exactly! I have never talked to anyone who isn't "making money" off their credit card company. They're going to go out of business any day now. You can't stay in business while giving away money like they do.
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Posted: 9/21/2023 6:43:34 PM EST
[#8]
I don’t have any CCs
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Posted: 9/21/2023 6:44:40 PM EST
[#9]
Quote HistoryQuoted: The bad news is you paid 3% extra for the product and getting 2% rebated. Price is the same as cash in most stores and most places online so if I pay with cash I'd lose the entire 3%. |
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Posted: 9/21/2023 6:44:45 PM EST
[#10]
Sentiment continues to turn negative for the US consumer as the latest warning sign comes from a multi-brand restaurant operator with more than 1,900 full-service locations nationwide. During a Thursday morning conference call, the management team warned Wall Street analysts about "softness" among wealthier households. Darden Restaurants CEO Rick Cardenas said, "We are seeing a little softness versus last year with household incomes above $125,000, and that primarily affects our Fine Dining brands, but it does affect all of our brands." The multi-brand restaurant operator owns Olive Garden, LongHorn Steakhouse, The Capital Grille, and five other brands with more than 1,900 locations nationwide. "The decline in Fine Dining, part of that is driven by incremental costs they have year-over- year. Their pricing is starting to catch up. But also, there was some negative mix. On a one- year basis, there was a lot of negative mix on alcohol. When we look at what's happening with -- at Fine Dining, there is trading down to lower-priced wines and other alcohols on a one-year basis." |
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Posted: 9/21/2023 6:44:54 PM EST
[#11]
I haven’t paid cc interest in 30 years. My lifetime cc interest payments are about $187
OTOH, They have paid me $10,000 or more. Guess we can call it even. |
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Posted: 9/21/2023 6:45:58 PM EST
[#12]
Quote HistoryQuoted: The bad news is you paid 3% extra for the product and getting 2% rebated. Most businesses don't give a cash discount. |
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Posted: 9/21/2023 6:46:45 PM EST
[#13]
Quote HistoryQuoted: Exactly! I have never talked to anyone who isn't "making money" off their credit card company. They're going to go out of business any day now. You can't stay in business while giving away money like they do. Most people are financially irresponsible, they only worry about that monthly minimum payment while spending hundreds a month on fast food delivery. |
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Posted: 9/21/2023 6:47:07 PM EST
[#14]
Way more ARFCOMers then are willing to admit. If not a member, certainly family members, friends and coworkers. Most of America cannot afford $1000 emergency payments.
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Posted: 9/21/2023 6:47:24 PM EST
[#15]
Why is paying off your credit card hard?
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Posted: 9/21/2023 6:48:18 PM EST
[#16]
Quote HistoryQuoted: Price is the same as cash in most stores and most places online so if I pay with cash I'd lose the entire 3%. Agreed |
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Posted: 9/21/2023 6:48:38 PM EST
[#17]
Quote HistoryQuoted: Most businesses don't give a cash discount. Quote HistoryQuoted: Quoted: The bad news is you paid 3% extra for the product and getting 2% rebated. Most businesses don't give a cash discount. I took him to mean that all prices are already marked up 3% to account for most people using a card. Stores make a free 3% on cash sales. |
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Posted: 9/21/2023 6:49:04 PM EST
[#18]
Quote HistoryQuoted: I thought GD kept wads of greasy cheetoh dusted cash in their XXXXL coveralls. 
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Posted: 9/21/2023 6:50:19 PM EST
[#19]
Thanks for reminding me. I put a little over $10,000 on my card that I need to pay off before the end of this billing cycle.
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Posted: 9/21/2023 6:50:49 PM EST
[#20]
Quote HistoryQuoted: I don’t have any CCs That’s unwise on many levels. |
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Posted: 9/21/2023 6:52:17 PM EST
[#21]
Quote HistoryQuoted: Not only do I not carry a balance or pay interest, they pay me 2% for using the card. And many places are now charging a credit card fee. It’s almost no longer worth it for the CB/rewards at some places. |
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Posted: 9/21/2023 6:53:56 PM EST
[#22]
Quote HistoryQuoted: Not only do I not carry a balance or pay interest, they pay me 2% for using the card. Plus I don't eat Cheetos and my coveralls are XXL. |
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Posted: 9/21/2023 6:55:42 PM EST
[#23]
I think my CC rates are 27% and 12%. The former was my first CC ever.
I've never paid a cent of interest though. |
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Posted: 9/21/2023 6:55:44 PM EST
[#24]
Quote HistoryQuoted: I took him to mean that all prices are already marked up 3% to account for most people using a card. Stores make a free 3% on cash sales. Not exactly, handling cash has costs, too. Some businesses have gone cashless. |
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Posted: 9/21/2023 6:58:52 PM EST
[#25]
I got really close to carrying a balance for the first time in a decade. I feel bad for the people that already carry a balance to live if they get laid off.
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Posted: 9/21/2023 6:59:51 PM EST
[#26]
Quote HistoryQuoted: Plus I don't eat Cheetos and my coveralls are XXL. That is half correct. My coveralls are mediums. |
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Posted: 9/21/2023 7:02:28 PM EST
[#27]
Quote HistoryQuoted: I don’t have any CCs And I don't even miss them. |
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Posted: 9/21/2023 7:03:56 PM EST
[#28]
Quote HistoryQuoted: Not only do I not carry a balance or pay interest, they pay me 2% for using the card. Boom, headshot... |
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Posted: 9/21/2023 7:07:54 PM EST
[#29]
I haven't had a mill stone around my neck in decades.
 The whole concept that someone needs so many things so badly they're willing to suffer double digit interest rates amazes me.  |
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Posted: 9/21/2023 7:09:42 PM EST
[#30]
Quote HistoryQuoted: Not only do I not carry a balance or pay interest, they pay me 2% for using the card. Mine pays 3% on certain things. Carrying a CC balance is for cucks. |
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Posted: 9/21/2023 7:11:54 PM EST
[#31]
Quote HistoryQuoted: The bad news is you paid 3% extra for the product and getting 2% rebated. So when I buy a box of ammo at Academy they upcharge me after the total is displayed because I'm using a CC? LOL. Not. |
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Posted: 9/21/2023 7:12:00 PM EST
[#32]
Quote HistoryQuoted: Not only do I not carry a balance or pay interest, they pay me 2% for using the card. This Is The Way |
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Posted: 9/21/2023 7:13:35 PM EST
[#33]
It’s wild. There literally always seems to be an offer out there for 0% for 18 months. So I keep one of those cards to carry balances for any big purchases and then another card for optimal rewards. Just swap em out at the end of the 18 month term. It’s not rocket science
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Posted: 9/21/2023 7:14:23 PM EST
[#34]
I have no debt besides the 0% interest rate payoff of my knee surgery deductible (+/- $800 balance). All four of my vehicles (F-threefiddy, K5, two motorcycles) are paid for.
Yet I'm still a GD slacker because I don't have a perfect FICO. Fuck me.  Attached File |
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Posted: 9/21/2023 7:14:35 PM EST
[#35]
If you’re just living paycheck too paycheck and not using credit cards are you ahead of the game?
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Posted: 9/21/2023 7:19:15 PM EST
[#36]
Quote HistoryQuoted: Well... yeah. Of course. Crazy to have credit card debt. |
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Posted: 9/21/2023 7:20:36 PM EST
[#37]
Quote HistoryQuoted: I don't have any CCs 
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Posted: 9/21/2023 7:22:32 PM EST
[#38]
Quote HistoryQuoted: Exactly! I have never talked to anyone who isn't "making money" off their credit card company. They're going to go out of business any day now. You can't stay in business while giving away money like they do. You serious Clark? The merchant pays that. |
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Posted: 9/21/2023 7:23:18 PM EST
[#39]
Dont have to pay what you dont carry
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Posted: 9/21/2023 7:24:31 PM EST
[#40]
Quote HistoryQuoted: Most businesses don't give a cash discount. A lot do. Almost every restaurant does now. LGS has for years. Trade guys have for years. I do most home repair, electrical, plumbing, etc., but have a good HVAC guy, pay him cash. Good discount, and he returns my call immediately. |
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Posted: 9/21/2023 7:25:41 PM EST
[#41]
I only carry a balance on one card and rotate it out every 7 months.
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Posted: 9/21/2023 7:25:45 PM EST
[#42]
Quote HistoryQuoted: I took him to mean that all prices are already marked up 3% to account for most people using a card. Stores make a free 3% on cash sales. Probably much more than that |
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Posted: 9/21/2023 7:25:57 PM EST
[#43]
Quote HistoryQuoted: How do you make online hotel reservations or purchase plane tickets? Quote HistoryQuoted: Quoted: I don't have any CCs Basement dwellers don't do such things. |
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Posted: 9/21/2023 7:27:02 PM EST
[#44]
  Well shit on my fuckin’ dick!!! |
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Posted: 9/21/2023 7:29:21 PM EST
[#45]
When I was in my early 20s I carried a credit card debt for a year or two as I was getting established and learning how to manage money. I would assume most young folks are in the same boat. If you haven’t figured it out by your mid to late 20s you probably never will.
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Posted: 9/21/2023 7:31:58 PM EST
[#46]
Quote HistoryQuoted: Well shit on my fuckin’ dick!!!  Attached FileNote to self: Missouri has weird customs… |
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Posted: 9/21/2023 7:33:30 PM EST
[#47]
Quote HistoryQuoted: You serious Clark? The merchant pays that. That is changing. Some places just charge a service or connivence fee that is less or equal to the CC fee. Some charge a CC fee that is equal to what they pay. I’ve seen it range from half a percent to 3-4%. Service related (hvac, etc) have almost always charged a CC fee, some will advertise a cash discount, some you have to ask. Funny enough, when I bought a Rolex last year or the year before, I asked for a cash discount, they wouldn’t do it because of Rolex’s policy, even though they had to pay the 3% CC fee (it wasn’t passed on.) So I made out with my 1.5% cash back. That’ll show’em  The GF now carries around cash, she will not pay a CC or service fee. |
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Posted: 9/21/2023 7:35:16 PM EST
[#48]
Quote HistoryQuoted: How do you make online hotel reservations or purchase plane tickets? Quote HistoryQuoted: Quoted: I don't have any CCs Came here to post this. I’m not sure you can actually travel without a credit card. |
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Posted: 9/21/2023 7:36:56 PM EST
[#49]
I had a buddy once that only bought Craftsman tools from Sears. He was always buying the newest stuff.
He bragged that he could get everything he ever wanted and it only cost him $35 a month. |
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Posted: 9/21/2023 7:40:26 PM EST
[#50]
Go sell something in EE and you’ll see the economic status of the vast majority real fast.
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