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[LC0112G]

I feel discriminated against. I don't use Amazon, and I've only got Mastercards. Who should I complain to?

CC's are just like any other potential tax on the stupid - if you minimise the down sides such that you're comfortable with the remaining risks then fine. You can't manage the risk for others - that's up to the CC companies and the legislators. If you live your life trying to prevent the remaining very small risks tripping you up then you'll end up a Hermit hiding under the stairs together with a years worth of cold baked beans and a pile of bog rolls.

I buy virtually everything that costs more than about £10 on a CC. I pay off the bill at the end of each month - I think I've messed up 3 times in 40 years, but even then I've paid at least the minimum balance. I can (and do) live without a mobile phone, but couldn't do a lot of what I want to do without a CC.

[Rangie]

I think it's great £40 for SWMBO to spend on her next purchase & today I've been informed of a £605. 60 overpayment of tax which has gone into my account today , great 24 hours..😄😄

[Andy B]

......
 and Mrs leaves in the same month.
.....

Don't build up my hopes .... 

And my mortgage has been paid off years ago 

[Doctor Gollum]

......
 and Mrs leaves in the same month.
.....

Don't build up my hopes .... 

And my mortgage has been paid off years ago 

It was an example but if she were to leave, you would be selling the house and what happens in the meantime whilst everything gets sorted out... Sure you'll probably end up the right way up, but Amazon won't be a priority.

[Doctor Gollum]

I feel discriminated against. I don't use Amazon, and I've only got Mastercards. Who should I complain to?

CC's are just like any other potential tax on the stupid - if you minimise the down sides such that you're comfortable with the remaining risks then fine. You can't manage the risk for others - that's up to the CC companies and the legislators. If you live your life trying to prevent the remaining very small risks tripping you up then you'll end up a Hermit hiding under the stairs together with a years worth of cold baked beans and a pile of bog rolls.

I buy virtually everything that costs more than about £10 on a CC. I pay off the bill at the end of each month - I think I've messed up 3 times in 40 years, but even then I've paid at least the minimum balance. I can (and do) live without a mobile phone, but couldn't do a lot of what I want to do without a CC.

Having just been away for almost a fortnight, stayed in a hotel, eaten out and hired a car... At no point did I think 'I wish I had a credit card to do all these things. 

[STEMO]

I feel discriminated against. I don't use Amazon, and I've only got Mastercards. Who should I complain to?

CC's are just like any other potential tax on the stupid - if you minimise the down sides such that you're comfortable with the remaining risks then fine. You can't manage the risk for others - that's up to the CC companies and the legislators. If you live your life trying to prevent the remaining very small risks tripping you up then you'll end up a Hermit hiding under the stairs together with a years worth of cold baked beans and a pile of bog rolls.

I buy virtually everything that costs more than about £10 on a CC. I pay off the bill at the end of each month - I think I've messed up 3 times in 40 years, but even then I've paid at least the minimum balance. I can (and do) live without a mobile phone, but couldn't do a lot of what I want to do without a CC.

Having just been away for almost a fortnight, stayed in a hotel, eaten out and hired a car... At no point did I think 'I wish I had a credit card to do all these things. 

You're in a minority of one......again.

[Doctor Gollum]

Story of my life

Perhaps I should have my own box...

[Rangie]

......
 and Mrs leaves in the same month.
.....

Don't build up my hopes .... 

And my mortgage has been paid off years ago 

.   


Not had a mortgage since 1987 , from the age of 21 - 25 I was silly with money ,then got into property easy way to make money.
As for credit cards I've probably got 9 or 10 of them use 2 most of the time & the others occasionally , I never turn down the opportunity of free cash be it £1.00 or £1,000 .

[Doctor Gollum]

I'm glad your ducks have lined up in a nice obedient row for you. But rest assured that it isn't free money, however you try and dress it up 

[STEMO]

I'm glad your ducks have lined up in a nice obedient row for you. But rest assured that it isn't free money, however you try and dress it up 

It's free money for some people, not so for others.

[Doctor Gollum]

So not free then

[STEMO]

So not free then

Free for me, not for you, as you're not in the game.

[Field Marshal Dr. Opti]

The two main mistakes I made with mortgage(s)

1.....Endowment mortgage.
2.....Interest only mortgage.

Avoid these with a low rate repayment mortgage and it works out cheaper than renting, which I did for 6 years and ended up with SFA.

All good now and for some time.

[Rangie]

The two main mistakes I made with mortgage(s)

1.....Endowment mortgage.
2.....Interest only mortgage.

Avoid these with a low rate repayment mortgage and it works out cheaper than renting, which I did for 6 years and ended up with SFA.

All good now and for some time.

. 


You learn by your mistakes Opti ( not everyone does) hopefully, I certainly did, paying any interest is for mugs  I soon realised that my money works for me & my family not for banks or loan companies.

[TheBoy]

I've been creditcardless all week, and it didn't feel right.  In my case, it was because Amazon were being knobjockeys, meaning I had to get the card stopped the day before I went away.

I too pay off monthly.  If I found myself in the examples DG raised earlier, I would look to other options before getting into debt with CC's, as I'm not that stupid. I accept that many people are, though.  Those same people have effectively paid for my "free banking" all my life.