You are pre-approved!

[S.A. Boggs]

Seems like when I go to the mail box I get a letter stating this, or a phone call. "We have FREE in store pickup!" is another oxymoron that people fall for. I was in sales for 25 years before switching professions, I would never insult my customers with this type of come-on. I love getting the phone calls that are to "help" me with my credit card debt...except for one thing I don't have/use/desire a credit card. Other then some medical bills that my insurance didn't cover I have no debt and plan on keeping it that way. To me a credit card is paying money to use my money, cash is FREE to use.
Sam

[leftyo]

if you are careful and dont go wild with a card, they can be made to pay you to use them, and not cost you a dime.

[SysAd]

I love it, but I confess to a warped sense of humor. Trying hard to think of a store that charges you to take your purchases home....

[Sunray]

"...pay you to use them..." Nobody pays anybody to use a credit card.
"...FREE in store pickup..." Yeah. People see the word 'free' and go nuts. Shuts off their brain.
"...the phone calls..." The U.S. has a 'Do not call' list too. You have to put your phone number on it yourself, but it cuts down on the BS phone advertising. It cost Bell Canada 2 million Cdn. a few years back for all the phone calls from off shore telemarketing. Operative words are 'cuts down'. I still get calls offering free travel from Air Canada, but nowhere near as much from duct cleaners, et al.
This is the U.S site.

https://www.donotcall.gov/register/reg.aspx

[leftyo]

"...pay you to use them..." Nobody pays anybody to use a credit card.
"...FREE in store pickup..." Yeah. People see the word 'free' and go nuts. Shuts off their brain.
"...the phone calls..." The U.S. has a 'Do not call' list too. You have to put your phone number on it yourself, but it cuts down on the BS phone advertising. It cost Bell Canada 2 million Cdn. a few years back for all the phone calls from off shore telemarketing. Operative words are 'cuts down'. I still get calls offering free travel from Air Canada, but nowhere near as much from duct cleaners, et al.
This is the U.S site.
https://www.donotcall.gov/register/reg.aspx

well, i get money back on my card, on purchases that cost the same whether you use cash or a card, so i guess you could say i save money using the card. dont matter if its 1, 2, or 3% its money back that i would not have gotten back if i paid by cash or check. the card costs nothing to use as long as its paid off monthly. you can argue minor wording, but ill keep getting back instead of nothing!

[Allen]

Our main CC gives you points for using their card. Once the points accumulate you can cash them in for gift cards or use the points like cash to pay on your CC bill. The incentive for them is to encourage you to use the card, spend more than you make and end up with a large balance that you can't possibly pay off with one payment--thus the super high interest rate. W/O saying the more you use the card to more and quicker the points add up. A couple of years ago we accumulated a couple thousand dollars worth of points. We had several options on how to retrieve the money so we chose BestBuy gift cards. The timing was great because everyone in our family had some want or need in electronics at that time and Christmas was around the corner. We bought a TV, tablet, phone and a bunch of small stuff. It paid for most of our Christmas shopping that year.

My wife pays off the CC balance in full every month--period. We never pay interest on our purchases and the card has no annual fee. This is how the card will pay you to use it.

[Johnny P]

Agree with leftyo; never paid a penny interest on a credit card, and the card is no fee. Ever so often get either cash or credit to my card, my choice. Lets me make room reservations months ahead of time, order on-line, get discount on gasoline, etc.

Where's the expense, or how am I paying the credit card company and don't know it?

[leftyo]

Agree with leftyo; never paid a penny interest on a credit card, and the card is no fee. Ever so often get either cash or credit to my card, my choice. Lets me make room reservations months ahead of time, order on-line, get discount on gasoline, etc.

Where's the expense, or how am I paying the credit card company and don't know it?

everybody is paying the credit card companies, even those that use cash. the fee's they charge to the retailers is of course added into the price of goods. so in actuality those that think they are so smart and only use cash are actually paying more than us card users. of course not all cards are created equal, and those that cant manage their money probably shouldnt have a card.

[dryheat]

I'm another one that has never paid a fee for a card or a dime of interest in thirty years. I make a heck of a lot more money using the card(on the backs of others that don't pay theirs off) than I do on interest on the ten grand I have in savings.

[JB White]

"
"...FREE in store pickup..." Yeah. People see the word 'free' and go nuts. Shuts off their brain..............

"...the phone calls..." I still get calls offering free travel from Air Canada, but nowhere near as much from duct cleaners, et al.

TV ads saying "Buy one. Get a second one FREE. Just pay a separate fee." Huh? I recall when FREE meant...well, free! And if anyone thinks BOGO is a deal, think again. You're paying way too much for the first one. They aren't in business to not make any profit.

I'm on the list but I still get human sounding robot calls. "You stayed at one of our resorts last year. You qualify for a free trip to Orlando/Disney". At times I'm a bit bored and I love asking repeatedly, "Which resort did I stay at?" any time I'm supposed to answer one of the robot's questions. Then listen to it stumble until it or someone ends the call.

[Former Cav]

yep, I ZERO the card every month. I just cashed in a years worth and got about 500 bucks worth of gift cards for various restaurants, etc.
works for me.

[dryheat]

And that's why I use the card for everything. I have $100 in my wallet but it stays there.

[RED]

everybody is paying the credit card companies, even those that use cash. the fee's they charge to the retailers is of course added into the price of goods. so in actuality those that think they are so smart and only use cash are actually paying more than us card users. of course not all cards are created equal, and those that cant manage their money probably shouldnt have a card.

There you go being right again. I use a debit card and there is no charge for it. I also have CC with a $20K limit for emergencies since 1996. Last Jan. I blew the engine up in my Polaris Ranger. The repair was $2,300. I used my CC for half and my debit for the other. There was no interest but there was a $20 fee. I paid it off $100 at a time and just paid the final $93.27. Otherwise, I would have had to get into the safe deposit box and sell something. Banking on line is also a great thing. I get a bill, I pay it on line and it takes 2 minutes. No check to write, no stamps to buy. I just paid my $74.45 electric bill and didn't even have to go the 1/4 mile to my rural mail box.

[leftyo]

There you go being right again. I use a debit card and there is no charge for it. I also have CC with a $20K limit for emergencies since 1996. Last Jan. I blew the engine up in my Polaris Ranger. The repair was $2,300. I used my CC for half and my debit for the other. There was no interest but there was a $20 fee. I paid it off $100 at a time and just paid the final $93.27. Otherwise, I would have had to get into the safe deposit box and sell something. Banking on line is also a great thing. I get a bill, I pay it on line and it takes 2 minutes. No check to write, no stamps to buy. I just paid my $74.45 electric bill and didn't even have to go the 1/4 mile to my rural mail box.

you do realize what you just typed proved everything i said! we all know your a liar and a fraud, but how can you possibly be that stupid!

[Allen]

Come on guys it's Christmas.