Chris Hansen Dateline- The Debt Trap Part 2
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or, you could just not use a credit card. That works too.
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Im so happy Ive never had a credit card! Been offered, declined, cut up preapprovals and asked to be removed from their mailing lists.
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@Wolfboy183 Holy crap, u are kidding me. Did u know about direct deposit?
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Ok one day i went to my bank (North Shore Credit Union, Vancouver, BC), to cash a check, and the teller looked up my account and she said sharply, "HEY! Why don't you have a credit card yet?! You NEED to build up your credit!" and they wouldn't let me leave till I signed up for one. I would have walked out but they had my ID...
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@creolelady182 I'm surprised they havent imposed a maximum payment or made up some "customer disloyalty" penalty for avoiding paying interest."
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lol when i was a little kid a collector called and i picked up the phone (they thought it was my mom lol) and they're like "YOU GIVE US MONEY!!#$@#" and i was like "Fuck you, bitches," then i hung up. My mom was pissed lol
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@EdugeBDroN chilling revelation.....
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@creolelady182 They did that to me as well. For that reason I haven't used a credit card in almost two years. But I think part of this problem started when Congress passed that legislation to limit the powers of banks to charge certain fees (e.g. overdraft fees). So now banks can no longer make money by penalizing the irresponsible people who pay their bills late or not at all, and naturally they have to start screwing the ones like you and me who pay their bills in full and on time.
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This is why you don't live beyond your means....
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@TheStapleGunKid ........
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That lady is right . if their was no credit we would all realize that there is no middle class anymore , just obscene rich and obscene poor . credit is just the illusion in the middle .
EdugeBDroN 2 years ago 15
It's amazing how we think credit card companies are not loan sharks and fall into the trap of letting them talk us in to paying 29% on a $59 purse or high heels we don't need, but just have to have; it's just legal and accepted in this country.
ChristyLove2000 2 years ago 8