Comments on: Credit Woes http://www.ronalfy.com/credit-woes/ Life is a blog. I wanna write it. Wed, 29 Feb 2012 14:19:09 +0000 hourly 1 http://wordpress.org/?v=3.3.2 By: Tom Hargrave http://www.ronalfy.com/credit-woes/#comment-57666 Tom Hargrave Tue, 19 Jan 2010 15:38:22 +0000 http://ronalfy.com/2007/01/19/credit-woes/#comment-57666 You aren't a domb ass, you got caught up in the "American Dream" and all the CC companies offer. What most don't understand is - the CC companies want all of us up to our eyeballs in debt so that we can mail all of our disposable income to them! And they do an excellent job of sucking us in with their cash back & points and most of us never figure out that all of these perks are paid for by us, the CC users. Then they show how convenient CC's are - the Visa commercials a while ago were the best - you know, the ones where everything ran smooth until someone handed a CASH transaction across the counter???? Sounds like I've been there? Sure I have and now I'm digging out a second time. The best CC is no CC. Cut them all up, cancel them and use one debit card tied to an account with overdraft protection. You aren’t a domb ass, you got caught up in the “American Dream” and all the CC companies offer. What most don’t understand is – the CC companies want all of us up to our eyeballs in debt so that we can mail all of our disposable income to them!

And they do an excellent job of sucking us in with their cash back & points and most of us never figure out that all of these perks are paid for by us, the CC users. Then they show how convenient CC’s are – the Visa commercials a while ago were the best – you know, the ones where everything ran smooth until someone handed a CASH transaction across the counter????

Sounds like I’ve been there? Sure I have and now I’m digging out a second time. The best CC is no CC. Cut them all up, cancel them and use one debit card tied to an account with overdraft protection.

]]> By: joey2025 http://www.ronalfy.com/credit-woes/#comment-57588 joey2025 Wed, 06 Jan 2010 03:53:59 +0000 http://ronalfy.com/2007/01/19/credit-woes/#comment-57588 some times i wish some one would steal my identity then i might have an excuse for my shitty credit. so instead of me saying oh im just a dumb ass i can say oh some stole my identity. some times i wish some one would steal my identity then i might have an excuse for my shitty credit. so instead of me saying oh im just a dumb ass i can say oh some stole my identity.

]]> By: Ronald Huereca http://www.ronalfy.com/credit-woes/#comment-688 Ronald Huereca Fri, 19 Jan 2007 00:17:35 +0000 http://ronalfy.com/2007/01/19/credit-woes/#comment-688 Being a victim of identity theft, I fully relate to this entry. If you can do anything to prevent identity theft, it is worth it. The best thing you can do is monitor your mail. Tear up all credit card offers. If you do sign up for a credit card, make sure you get the card within a few weeks. If you haven't, call up the credit card company and tell them to cancel that card and send a new one. Someone may have intercepted the card without you knowing it. One good thing to know is that if you are sent an unsolicited credit card and someone fraudulently charges it up without your knowledge, you are not liable for a penny. Being a victim of identity theft, I fully relate to this entry. If you can do anything to prevent identity theft, it is worth it. The best thing you can do is monitor your mail. Tear up all credit card offers.

If you do sign up for a credit card, make sure you get the card within a few weeks. If you haven't, call up the credit card company and tell them to cancel that card and send a new one. Someone may have intercepted the card without you knowing it.

One good thing to know is that if you are sent an unsolicited credit card and someone fraudulently charges it up without your knowledge, you are not liable for a penny.

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