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Why debit cards are subprime =)

Established Contributor

Why debit cards are subprime =)

Help me think of more? Smiley Happy

 

1. EXTENDED WARRANTY free1 year extra warranty for anything you buy.

2. PRICE PROTECTION you buy something for $2,000 find it for $1,500 within 90 days, they will pay you back for the difference.

3. SATISFACTION GUARANTEE if your not happy with your item, and merchant will not take it back, the credit card company will well past the 30 day return period.

4. PURCHASE ASSURANCE. if the item is damaged or stolen within 90 days of the date of purchase.

5. REWARD POINTS. Get upto 6%+ Cash back on things like gas, groceries, travel etc.

6. CONCIERGE SERVICE. They have more connections than you do, if you can't get a reservation at a restaurants, good companies like Amex or Chase can and will do it for you.

7. NO WAITING INLINE. Amex provides you with ticket purchases BEFORE they go public.

8. TRAVEL INSURANCE free

9. TICKET REIMBURSEMENT. If you have to cancel your trip you can get it refunded. There are MUCH more but that's just a few good reasons to use a credit card, of course they have to be used with responsibilities and those are the better card rewards and benefits, but if you have a decent credit card, using debit is subprime.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 1 of 45
44 REPLIES
Valued Contributor

Re: Why debit cards are subprime =)

Hard pulls everytime you rent a car!


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 2 of 45
Valued Contributor

Re: Why debit cards are subprime =)


Duncanrr wrote:
Hard pulls everytime you rent a car!

Adding to this facet, when you rent a car or hotel with one, the hold on the account is against real money and not a credit line.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 3 of 45
Established Contributor

Re: Why debit cards are subprime =)


Duncanrr wrote:
Hard pulls everytime you rent a car!

Yep that too =)

 

only positive side of debit is ATM access so you can buy your street drugs and pay hookers =x


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 4 of 45
Valued Contributor

Re: Why debit cards are subprime =)

I pay my hookers with reward gift cards.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 45
Super Contributor

Re: Why debit cards are subprime =)


Duncanrr wrote:
I pay my hookers with reward gift cards.

They don't have the Square card readers? You're using the wrong people Smiley Tongue

Message 6 of 45
Moderator Emeritus

Re: Why debit cards are subprime =)

Seriously?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 45
Established Contributor

Re: Why debit cards are subprime =)


jsucool76 wrote:

Duncanrr wrote:
I pay my hookers with reward gift cards.

They don't have the Square card readers? You're using the wrong people Smiley Tongue


lmao


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 8 of 45
Established Contributor

Re: Why debit cards are subprime =)

Bahahaha!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 9 of 45
Established Contributor

Re: Why debit cards are subprime =)

makes me want to get a Venture card for 2% cash back so I can get every buy 50 hookers get 1 free Smiley Very Happy


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 10 of 45