Judged for using credit?

[mongstradamus]

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@red259 wrote:

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@mongstradamus wrote:

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@signaturecardmember wrote:

Lots of uneducated people out there on CCs. I am glad I found this forum and if it wasnt for the rewards I would still be using debit day to day.

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why not get something back for stuff you are going to buy already :-) I didn't know about shopping portals for an long time , i didnt know what i was missing lol

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My ex thanked me the other day for the miles she started earning through united dining. She got like 500 miles without even realizing it. I got her to do it because it was simple and did not require any effort other than signing up. Now she just earns miles without even trying. I think most people tend to be the same way. If you make it easy for them they will do it. If it requires effort than not so much.

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I think if you show them what they can get from using cards to pay, and reaping the travel rewards with it , makes it an whole lot easier for them to digest. 

[Exonumist]

I get a little bit of that from some friends. Other friends are very curious and want to know more, but never actually do anything. My family thinks it's hilarious how much money and free travel I get for just using credit cards. Every once in a while it seems like a cashier gives me a weird look or makes a comment when I use them on something like a soda. Other times I've ran into cashiers that know about the card and comment on the rewards lol. I don't really care what people think. I know what I'm doing and it works for me.

[B335is]

A few years back when I was working on rebuilding my credit, one of my coworkers was going on and on about Discover.  He had 3 cards total, but swore by Discover.  He mentioned charging everything possible to it and I remember thinking he was crazy.  That actually led me to this board and educating myself on how credit really works.  I'm glad I had that discussion, he will probably never know how much of an impact it had on me.

Fast forward to a few weeks ago while I was at Home Goods with another friend.  Of course I app'd for the TJX card and her first comment was "aren't you worried about ruining your credit?"  I laughed for a minute and we had a nice talk

[taxi818]

You have to remember that is old way of thinking. They feel you are getting in a hole. However. Your fico comrades. We all know this is best way. Use banks instead of them using you. 

I max out yes. Should be answer.  All the benefits and freebies I can get. Reward points. Dollars. And even free bonus sign ups. If they can't understand then. Ooh well

[polecat87]

I do have some friends/coworkers I know who do make remarks about my credit card usage, but I pretty much ignore their financial advice. If they really knew any about finances-they wouldn't be living paycheck to paycheck(and I know some of them live paycheck to paycheck because they complain loudly when their direct deposit is delayed because of holidays, technical difficulties, etc. I don't even pay attention to when my direct deposit hits... even if I goofed and  maxed out my cards- I could pay them all off within a week.

[Closingracer99]

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@mongstradamus wrote:

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@signaturecardmember wrote:

Lots of uneducated people out there on CCs. I am glad I found this forum and if it wasnt for the rewards I would still be using debit day to day.

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why not get something back for stuff you are going to buy already :-) I didn't know about shopping portals for an long time , i didnt know what i was missing lol

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Ask David Ramsey

I was watching one video and the guy said he was earning about $400 a year in CB from a credit card and Ramsey basically said Credit cards are worthless for $400 in CB 

[Closingracer99]

I really want to just go to a Diner or someplace with Waiter service just so i can whip out my CSP and maybe the Marriott cards lol just to see if i get a reaction

[mongstradamus]

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@Closingracer99 wrote:

I really want to just go to a Diner or someplace with Waiter service just so i can whip out my CSP and maybe the Marriott cards lol just to see if i get a reaction

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I goto diners all the time and i don't get any comments on using csp. I goto smoothie place and five guys where its mostly high school kids they don't say an word lol

[Closingracer99]

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@mongstradamus wrote:

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@Closingracer99 wrote:

I really want to just go to a Diner or someplace with Waiter service just so i can whip out my CSP and maybe the Marriott cards lol just to see if i get a reaction

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I goto diners all the time and i don't get any comments on using csp. I goto smoothie place and five guys where its mostly high school kids they don't say an word lol

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I can still Hope

[mongstradamus]

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@Closingracer99 wrote:

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@mongstradamus wrote:

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@Closingracer99 wrote:

I really want to just go to a Diner or someplace with Waiter service just so i can whip out my CSP and maybe the Marriott cards lol just to see if i get a reaction

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I goto diners all the time and i don't get any comments on using csp. I goto smoothie place and five guys where its mostly high school kids they don't say an word lol

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I can still Hope

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The only thing i do notice an lot of people doing is looking at the back since there are no numbers on the front of the card.