Re: Cash Back Credit Cards

Article View: alt.consumers

Article #161

#161

From: SpammersDie
Date: Tue, 04 Sep 2007 23:37

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> I don't often agree with Rod but you are the fool on this one.
> Whether you have enough money or not, getting a few hundred
> dollars a year for free in exchange for the convenience of
> putting my purchases on a credit card and having a month or so
> extra to pay for it at no cost to me, you'd have to be a fool
> not to do it.

It's not "free."

Each time you give your credit card to a new retailer, you increase the risk 
that the next news item that says "Retailer hacked: 20,000 credit card 
numbers exposed" will mean YOU have to spend time and hassle getting your 
card changed and disputing fraudulent charges. Or that a crooked waiter will 
skim your card number.

It also means your card issuer knows that much more about your purchasing 
habits.

It also increases your credit utilization which can affect your FICO (and 
not in a positive way.)

Everyone will have to weigh the costs and benefits for their individual 
circumstances but somebody who's already rich will probably value his time 
and extra peace of mind more than a few hundred extra dollars that won't 
change his life anyway. That doesn't make them fools.

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Subject: Re: Cash Back Credit Cards
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