"More than 8 million drop out of credit card use" - Page 2 - GoFuckYourself.com

Amputate Your Head · 11-30-2010, 04:39 PM

Quote:

Originally Posted by wig

who would have a debit card in lieu of a credit card? if you are not a broke dick dog and pay your balance off, you're a retard if you use a debit card.

first time your account is fraudulently debited and you fight to get the money back all the while your account is negative that amount, you'll wish you used a credit card.

ETA: 50 broke dick debit card users.

i've been using strictly debit (and cash) for 3 years. Not a single problem.

the credit card banks love it when you fear your own money.

mgtarheels · 11-30-2010, 04:41 PM

Smart people.

Ethersync · 11-30-2010, 04:44 PM

Quote:

Originally Posted by Amputate Your Head

i've been using strictly debit (and cash) for 3 years. Not a single problem.

Yeah, me too and for even longer than that. Never had a problem.

will76 · 11-30-2010, 06:39 PM

Quote:

Originally Posted by MaDalton

but thats 8 million less potential porn buyers

exactly and this is nothing compared to what the banks did with credit cards a couple years ago when they went ultra conservative and cut millions of people available balances down to nothing.

Its the lack of people able to use their credit cards to buy/rebill that is hurting this industry more than anything. Whether it is the banks cutting back their limits or the people maxing out their cards because they are using them to pay the bills, or people going bankrupt and losing them... decline of people able to use a valid credit card is killing us. Who said porn is recession proof, oh wait that was Roger, the guy who claims porn also makes more "than Microsoft, Google, Amazon, eBay, Yahoo, Apple and Netflix combined."

will76 · 11-30-2010, 06:46 PM

Quote:

Originally Posted by wig

who would have a debit card in lieu of a credit card? if you are not a broke dick dog and pay your balance off, you're a retard if you use a debit card.

first time your account is fraudulently debited and you fight to get the money back all the while your account is negative that amount, you'll wish you used a credit card.

ETA: 50 broke dick debit card users.

LOL who is the Einstein ? Moron saying people who use debit cards are broke dicks, you got that one backwards dumb ass. If someone makes a "fraudulent" charge on your debit card and it causes your bank account to go negative then YOU ARE a broke dick anyway.

I haven't used a credit card in 10 years. I always use debit cards and have the money come out of my checking account. If someone did a fraudulent charge, 1. it wouldn't touch my balance and 2 the bank would have that shit fixed by the end of the day.

BJ · 11-30-2010, 06:56 PM

I have not paid for an airline ticket in years thanks to my credit card. I pay balance in full every month. Not using a credit card is stupid.

will76 · 11-30-2010, 06:57 PM

Quote:

Originally Posted by pornguy

But remember that a Debit card can be run as a regular CC as well.

it can be run as a credit card but the money still comes out of your checking account.

Quote:

Originally Posted by BJ

I have not paid for an airline ticket in years thanks to my credit card. I pay balance in full every month. Not using a credit card is stupid.

you can do the same thing with a debit card. I get points all the time via my debit card, I tell them to run it as a credit card, the only difference to me is i sign instead of punching in my pin. It still comes out of my checking account and there is no chance I ever pay interest on that shit like most of you do who use credit cards.

Credit cards in most cases are for people who spend more than they can afford because they either never pay off the balance and get killed on high interest or they tell themselves they will pay off the balance each month but don't always keep up with it, send it in on time, skip a month etc... I will never let the credit card companies rape me at 10% - 30% interest when I can borrow from myself at 0% and If I don't have enough to pay for it then I can live with out it.

pimp3611 · 11-30-2010, 08:12 PM

Quote:

Originally Posted by BJ

I have not paid for an airline ticket in years thanks to my credit card. I pay balance in full every month. Not using a credit card is stupid.

Exactly. Anyone who has a credit card and doesn't pay it off in FULL every month is a moron (and shouldn't have one in the first place)

Evil Chris · 11-30-2010, 08:46 PM

Quote:

Originally Posted by pimp3611

Exactly. Anyone who has a credit card and doesn't pay it off in FULL every month is a moron (and shouldn't have one in the first place)

haha... you're talking about 99% of the entire population!

BlackCrayon · 12-01-2010, 08:11 AM

Quote:

Originally Posted by pimp3611

Exactly. Anyone who has a credit card and doesn't pay it off in FULL every month is a moron (and shouldn't have one in the first place)

why even use one of you are going to pay it all off every month? you should just pay cash then.

Sly · 12-01-2010, 08:14 AM

Quote:

Originally Posted by BlackCrayon

why even use one of you are going to pay it all off every month? you should just pay cash then.

Short-term loan, points and benefits, extra protection, ease of use, improves credit.

pimp3611 · 12-01-2010, 08:27 AM

Quote:

Originally Posted by BlackCrayon

why even use one of you are going to pay it all off every month? you should just pay cash then.

Because I get points which I can use towards flights and other things. Using a debit card I get no advantages.

Zyber · 12-01-2010, 09:23 AM

Quote:

Originally Posted by MaDalton

don't get me started on czech banks - lol

Are there any Czech banks? They are Austrian and Italian, no?

Allison · 12-01-2010, 09:56 AM

Quote:

Originally Posted by Ethersync

Agreed.

Spending within ones means, yes. Overspending and burying oneself in debt, no... and that is no better illustrated than by the current crisis.

Well said.

Amputate Your Head · 12-01-2010, 11:52 AM

bump for awareness.

redwhiteandblue · 12-01-2010, 12:28 PM

Quote:

Originally Posted by pimp3611

Because I get points which I can use towards flights and other things. Using a debit card I get no advantages.

Where do you think that money comes from? Do you honestly think those flights are free?

Sly · 12-01-2010, 01:00 PM

Quote:

Originally Posted by redwhiteandblue

Where do you think that money comes from? Do you honestly think those flights are free?

The money to pay for points programs comes from interest and yearly program fees.

I have two different credit cards on points programs. Both are paid off monthly, no interest. Yearly fees on each are $30. My rewards cover the total $60 by far.

MaDalton · 12-01-2010, 01:29 PM

Quote:

Originally Posted by Zyber

Are there any Czech banks? They are Austrian and Italian, no?

yeah, well, also french and german...

nevertheless czech people work there and their stuff works sometimes very differently than in other countries. and the fees are ridiciously high while the amount of bureaucracy is mindboggling

12-01-2010, 11:52 AM	#65
Amputate Your Head There can be only one Industry Role: Join Date: Aug 2001 Location: Somewhere else Posts: 39,075	bump for awareness. __________________ SIG TOO BIG

11-30-2010, 04:41 PM	#52
mgtarheels Confirmed User Industry Role: Join Date: Mar 2010 Location: Daytona Beach, FL Posts: 1,317	Smart people.

11-30-2010, 06:56 PM	#56
BJ Confirmed User Join Date: Mar 2002 Location: asia Posts: 5,590	I have not paid for an airline ticket in years thanks to my credit card. I pay balance in full every month. Not using a credit card is stupid.