Comments on: Preparing For Life Without A Credit Card http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/ Debt Reduction Rocks - We Are Living Debt Free! Mon, 01 Dec 2008 18:20:27 +0000 http://wordpress.org/?v=2.6.3 By: Lea http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-137567 Lea Mon, 24 Nov 2008 01:54:34 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-137567 I am so thankful I found this site. I have decided to try to manage without a credit card as well. So far it has gone well. I am staying out of debt because I just don't impulse buy anymore. I may not have that new flat screen TV I want...yet. But I go to bed everynight with a peaceful mind. I am so thankful I found this site. I have decided to try to manage without a credit card as well. So far it has gone well. I am staying out of debt because I just don’t impulse buy anymore. I may not have that new flat screen TV I want…yet. But I go to bed everynight with a peaceful mind.

]]> By: Karla (threadbndr) http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-131134 Karla (threadbndr) Thu, 09 Oct 2008 17:15:49 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-131134 My solution for the "denied because the chage is from an odd place" problem is to have my (used for internet sales and travel only and paid off with allocated money when I see the charges hit online) VISA card issued by my local credit union. They are small enough and personal enough that I can just call up and say, "I'm heading out on vacation on Friday. Look for charges from Florida...." Never had an issue, and the rates are WAY low (not that I carry a balance). I don't like the way the car rental places can put these huge holds on your checking account if you use a debit card. I have enough bills on auto debit that I don't want to mess up. So I use that one CC still, but for very specific things and seldom have a balance carry over. (Once in the last four years.) My solution for the “denied because the chage is from an odd place” problem is to have my (used for internet sales and travel only and paid off with allocated money when I see the charges hit online) VISA card issued by my local credit union. They are small enough and personal enough that I can just call up and say, “I’m heading out on vacation on Friday. Look for charges from Florida….” Never had an issue, and the rates are WAY low (not that I carry a balance).

I don’t like the way the car rental places can put these huge holds on your checking account if you use a debit card. I have enough bills on auto debit that I don’t want to mess up. So I use that one CC still, but for very specific things and seldom have a balance carry over. (Once in the last four years.)

]]> By: gunasekara http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-118191 gunasekara Mon, 30 Jun 2008 12:37:30 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-118191 can i make a hotel booking can i make a hotel booking

]]> By: joshua http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-97553 joshua Sun, 23 Mar 2008 02:08:18 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-97553 i never had a cc and never will. money in the bank, and a debit card is the way to go. i never had a cc and never will.

money in the bank, and a debit card is the way to go.

]]> By: Shari http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-91692 Shari Tue, 26 Feb 2008 04:41:23 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-91692 I was accompanying a friend moving to another city and was purchasing furniture for her at a department store with one of the two credit cards that I when I travel so that I don't have to carry cash. The purchase was denied so I used the second card successfully. The next day I attempted to purchase a vacuum for her and the purchase was denied. In both cases I had to show my picture id, before the merchants ran the credit cards. After calling the first and approving the purchases, the card was unblocked and then when I attempted to purchase food at a restaurant the purchase was denied. For the second card, the number on the card said it was not in the correct area code and could not be completed. So I am not at home and the two cards I use when I travel are both blocked. After returning home, I contacted both credit card companies and was given 30 minute lectures on what they do for me so that I don't have credit card fraud. The lesson for me is that I am naive to think that I can use credit cards when I travel in this age of credit card fraud. The companies are protecting themselves from losses, although in many cases the consume can be held responsible, in addition to the inconvenience of replacing identification and credit cards. I have been reluctant to carry cash. Travelers checks are often not accepted at merchants due to fraud and counterfeits, so I haven't used them for a while. And now it appears the only solution is cash. I think the best way to approach this change is to rely exclusively on cash. I was accompanying a friend moving to another city and was purchasing furniture for her at a department store with one of the two credit cards that I when I travel so that I don’t have to carry cash. The purchase was denied so I used the second card successfully. The next day I attempted to purchase a vacuum for her and the purchase was denied. In both cases I had to show my picture id, before the merchants ran the credit cards. After calling the first and approving the purchases, the card was unblocked and then when I attempted to purchase food at a restaurant the purchase was denied. For the second card, the number on the card said it was not in the correct area code and could not be completed. So I am not at home and the two cards I use when I travel are both blocked. After returning home, I contacted both credit card companies and was given 30 minute lectures on what they do for me so that I don’t have credit card fraud. The lesson for me is that I am naive to think that I can use credit cards when I travel in this age of credit card fraud. The companies are protecting themselves from losses, although in many cases the consume can be held responsible, in addition to the inconvenience of replacing identification and credit cards. I have been reluctant to carry cash. Travelers checks are often not accepted at merchants due to fraud and counterfeits, so I haven’t used them for a while. And now it appears the only solution is cash. I think the best way to approach this change is to rely exclusively on cash.

]]> By: Laptop Computer WebLog » Blog Archive » Our Services & Notices http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-25322 Laptop Computer WebLog » Blog Archive » Our Services & Notices Thu, 26 Jul 2007 04:05:39 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-25322 [...] No Credit Needed » Blog Archive » Preparing For Life Without A … Free ATMs. FDIC. Open online now. The Orange Savings Account. … for a home, but I do check my credit report … 16th, 2007 at 9:10 pm […] - No Credit Needed’s Preparing for Life Without a Credit Card http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/ [...] [...] No Credit Needed » Blog Archive » Preparing For Life Without A … Free ATMs. FDIC. Open online now. The Orange Savings Account. … for a home, but I do check my credit report … 16th, 2007 at 9:10 pm […] - No Credit Needed’s Preparing for Life Without a Credit Card http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/ [...]

]]> By: Laptop Computer WebLog » Blog Archive » Cards2apply Credit Card Offers http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-25320 Laptop Computer WebLog » Blog Archive » Cards2apply Credit Card Offers Thu, 26 Jul 2007 03:39:15 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-25320 [...] No Credit Needed » Blog Archive » Preparing For Life Without A … Free ATMs. FDIC. Open online now. The Orange Savings Account. … for a home, but I do check my credit report … 16th, 2007 at 9:10 pm […] - No Credit Needed’s Preparing for Life Without a Credit Card http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/ [...] [...] No Credit Needed » Blog Archive » Preparing For Life Without A … Free ATMs. FDIC. Open online now. The Orange Savings Account. … for a home, but I do check my credit report … 16th, 2007 at 9:10 pm […] - No Credit Needed’s Preparing for Life Without a Credit Card http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/ [...]

]]> By: Leftover$ « Bourgeois and Broke http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-22803 Leftover$ « Bourgeois and Broke Wed, 11 Jul 2007 03:08:34 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-22803 [...] kinda touched on this a few months back when he posted about preparing for life without credit cards. He talked about creating not only a monthly budget, but also breaking that down into weeks and [...] [...] kinda touched on this a few months back when he posted about preparing for life without credit cards. He talked about creating not only a monthly budget, but also breaking that down into weeks and [...]

]]> By: cedit card holder http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-10423 cedit card holder Mon, 30 Apr 2007 04:54:52 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-10423 It is a business of credit card holder whether to use card or not, or even do not have any card at all. As for me, I use my credit cards only for purchases and satisfy with this convinience. I will try to live without credit cards and pay cash, but only because of the interest to see the difference. It is a business of credit card holder whether to use card or not, or even do not have any card at all. As for me, I use my credit cards only for purchases and satisfy with this convinience. I will try to live without credit cards and pay cash, but only because of the interest to see the difference.

]]> By: Thomas http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-8204 Thomas Thu, 19 Apr 2007 03:12:54 +0000 http://www.ncnblog.com/2007/04/10/preparing-for-life-without-a-credit-card/#comment-8204 I have stopped using my credit card, been about 4 months now, and have found it to be an easy switch. The only time I use it is for an online purchase, but the money is posted right on the CC immediately from my chequing account. I have stopped using my credit card, been about 4 months now, and have found it to be an easy switch. The only time I use it is for an online purchase, but the money is posted right on the CC immediately from my chequing account.

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