🚀 go-pugleaf

SpammersDie <xx@xx.xx> wrote

>> 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."

Corse it is.

> 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.

Nope, its never happened to me yet, and aint gunna either.

> Or that a crooked waiter will skim your card number.

If you care about that particular risk, you're always welcome
to be selective about where you use the credit card.

And you eliminate the risk of someone mugging you for your cash too.

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

I couldnt give a flying red fuck if they know
every single detail of everything I ever buy.

> It also increases your credit utilization which can affect your FICO

Fine by me, I'm not stupid enough to do anything
with the card that will cause it any damage.

> (and not in a positive way.)

Not having any credit card use can result in even
worse results, paying more for insurance etc etc etc.

> Everyone will have to weigh the costs and benefits for their individual circumstances

And only a fool would conclude that they dont benefit
from the use of a card that has no annual fee and which
pays a decent rebate on the bulk of what you spend.

> but somebody who's already rich will probably value his time

And so would use a card instead of farting around with cash instead.

> and extra peace of mind

Only the mindlessly paranoid fools.

> more than a few hundred extra dollars that won't change his life anyway.

There's fuck all of the rich that are stupid enough to refuse a few hundred bucks for free.

> That doesn't make them fools.

Yes it does. You in spades.