General Discussion

Hotler

(13,747 posts)

34. Stop using your credit card for everyday living.

Sun Jul 15, 2012, 11:59 AM

Jul 2012

put the fucking thing in a draw and use it only for large puchases like a set of tires or repairs, pay-at -the pump when on a trip. Then pay it off at the end of the month. Stop using it for groceries, starbucks, lunch dinner and small purchases. I was with a coworker the other day that whipped out his card to pay for $1.00 at a parking lot. jeeeze! Go to the fucking bank or credit union once or twice a month and pull out a few hundred or??? take it home put in a draw and put 40-50 bucks in your pocket before you leave the house. By not using your credit card you fuck the bankers a little at a time. They get no profit from transactions and they can't track purchase and they can't sell your buying history to marketers. I would hope that the majority of DU memebers would have stop using their credit cards for everyday stuff a long time ago.

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Take The Pledge: I Will Not Patronize Any Business That Charges Me Extra For Using My Credit Card.. [View all] global1 Jul 2012 OP

Every business that takes credit structures the cost of credit transactions into their pricing. LeftyMom Jul 2012 #1

My debit card has a Mastercard logo. Occulus Jul 2012 #23

The businesses probably find it too difficult to distinguish between signature and PIN debit FarCenter Jul 2012 #24

The business pays a percentage of the transaction if you pay by debit. Usually 1.5-3% LeftyMom Jul 2012 #39

Been doing it forever, one way or another. elleng Jul 2012 #2

The businesses pay the credit card company ohheckyeah Jul 2012 #3

nah, I'll pass on that pledge fishwax Jul 2012 #4

Sorry, I don't do pledges. silverweb Jul 2012 #5

they don't charge YOU for the transaction, they charge the business owner. that's the dionysus Jul 2012 #6

Remember when gas stations had a cash price and a credit price? SoutherDem Jul 2012 #7

Some tricky fuckers in manhattan advertise a price on their big biards Lucky Luciano Jul 2012 #74

Some still do hauweg Jul 2012 #82

Fine. I will just institute a $5 administrative fee on each and every kestrel91316 Jul 2012 #8

Fairly easy for me, Connecticut bans charging more for credit. NutmegYankee Jul 2012 #9

Then all that's happening is that costs are being shared by everyone SickOfTheOnePct Jul 2012 #19

They would do that even with different prices. NutmegYankee Jul 2012 #32

My point is that you're still paying for credit card use SickOfTheOnePct Jul 2012 #33

Cash customers don't pay less. They are paying the old credit price. NutmegYankee Jul 2012 #51

thats because the profit margin on gasoline is usually less than the cc charge RedRocco Jul 2012 #22

I'm a small business owner.... Pizz Jul 2012 #10

welcome to DU! renate Jul 2012 #61

Best of luck with your business, and welcome. HappyMe Jul 2012 #79

Lots of big talk here about support JNelson6563 Jul 2012 #80

Pizz likes being peasy.. Pizz Jul 2012 #84

Thank you! JNelson6563 Jul 2012 #87

I'll shop there because I'm sick of my cash payments being higher to help support credit card users. JVS Jul 2012 #11

Me too. safeinOhio Jul 2012 #16

using cash keeps me honest with myself on how much I am spending. CTyankee Jul 2012 #12

Grover has a trademark on pledges. HooptieWagon Jul 2012 #13

No he doesn't. Fuck Norquist, he doesn't have that kind of power. Zalatix Jul 2012 #69

Yup. Totally. Crush them under the sheet weight of a boycott. That'll end the problem. Zalatix Jul 2012 #14

I run a very small business quaker bill Jul 2012 #15

Thank you. I definitely patronize a place less frequently when they are cash only Lucky Luciano Jul 2012 #75

When I started before the crash quaker bill Jul 2012 #78

I pledge never to HAVE a credit card. justiceischeap Jul 2012 #17

Nope, not going to take that pledge SickOfTheOnePct Jul 2012 #18

As a small businessman I won't charge extra for your card-I don't accept them... catnhatnh Jul 2012 #20

That only works for you because you have a captive audience (airport). Try it in the city, and see. Romulox Jul 2012 #31

I find it hard to believe you only miss 5 transactions a month. Hassin Bin Sober Jul 2012 #35

Doesn't the airport itself have an ATM somewhere? treestar Jul 2012 #40

My Pledge: I will not patronize banks and jeopardize democracy by owning a credit card. nt Zorra Jul 2012 #21

I will patronize business that give discount for cash greater than cashback reward on credit card FarCenter Jul 2012 #25

I will NOT participate in this pledge....... Swede Atlanta Jul 2012 #26

This pledge will favor large businesses over small ones. Most national chains have announced pampango Jul 2012 #81

Do you have any idea how much businesses have to pay for each transaction? On small appleannie1 Jul 2012 #27

Nope Travis_0004 Jul 2012 #28

Who originated this pledge? Visa and Mastercard sending out astroturf? denverbill Jul 2012 #29

The cash economy is over. We need to work out ways to transition, rather than legislate regression. Romulox Jul 2012 #30

Stop using your credit card for everyday living. Hotler Jul 2012 #34

Sorry, but no SickOfTheOnePct Jul 2012 #36

Your sig. line is "SickOfTheOnePct", the banks are the 1%, so why... Hotler Jul 2012 #41

My "bank" is a credit union SickOfTheOnePct Jul 2012 #50

So, let me see if I have this right... jberryhill Jul 2012 #55

Who said anything about "dicking over the merchant"? SickOfTheOnePct Jul 2012 #57

Cash is dirty. If you pay your credit card balance in full every month, it's worth using. slackmaster Jul 2012 #42

I did what you and others do a few years back until I watched... Hotler Jul 2012 #43

Let 'em think of me as a deadbeat SickOfTheOnePct Jul 2012 #52

If you really wanted to get back you'd keep using it and paying it off. dkf Jul 2012 #54

Fuck them if they can't take a joke slackmaster Jul 2012 #62

Wow! You sure showed me. I Bow down to your high righteousness. I'm going to run right out and... Hotler Jul 2012 #67

Nice post, Hotler slackmaster Jul 2012 #68

Is that the best you can come up with??? how about... Hotler Jul 2012 #88

OK, but I'm drinking gin and tonic slackmaster Jul 2012 #89

I do not use CC. I use debit cards only at large chains. I use CASH for local businesses. CBGLuthier Jul 2012 #37

I shall not pay for credit card users FreeJoe Jul 2012 #38

I've been doing that for some time. lpbk2713 Jul 2012 #44

So you're paying cash at merchants who charge *everyone* more to pay for the CC fees. WillowTree Jul 2012 #48

Everyone is charged more (cost-sharing) to cover the fees of others? Sounds a bit like... OneTenthofOnePercent Jul 2012 #53

I do not have any credit cards. About 7 years ago, I filed a Chapter 13 bankruptcy. RebelOne Jul 2012 #45

Cash: is that still a thing? NoPasaran Jul 2012 #46

I just use cash whenever possible Myrina Jul 2012 #47

I do the same for the delivery boys. cash tip. Lucky Luciano Jul 2012 #77

generally no, but some small businesses i could make an exception CreekDog Jul 2012 #49

What a silly idea jberryhill Jul 2012 #56

Oh, look. Now our side has a Norquist. aquart Jul 2012 #58

+1 HooptieWagon Jul 2012 #76

No. Businesses don't charge, the credit companies do. You have it backwards. Here's how to help.... uppityperson Jul 2012 #59

Most interesting DU thread since 2001. Replies from those who oppose credit cards and those who own jody Jul 2012 #60

Thanks, but no thanks. And where's unrec when we really need it. GoneOffShore Jul 2012 #63

Sorry, a lot of businesses are forced to do it because the credit card companies gouge them. backscatter712 Jul 2012 #64

I use an ATM debit card... AsahinaKimi Jul 2012 #65

Sounds like the "I won't ride in a carriage without a horse" person nolabels Jul 2012 #66

This message was self-deleted by its author CK_John Jul 2012 #71

I have already taken that pledge permatex Jul 2012 #70

I'm okay with that, actually. It's the fee that the bank charges the merchant. I can always write a Honeycombe8 Jul 2012 #72

I try to use my Amex as much as possible and carry only $60 or so Lucky Luciano Jul 2012 #73

See "60. Most interesting DU thread since 2001" and still voices that create jobs vs. those who jody Jul 2012 #83

As a frequent credit card user, I will gladly pay extra to use my card Hippo_Tron Jul 2012 #85

The main reason that credit card transactions are costly is that they are pathetically insecure FarCenter Jul 2012 #86