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What did you do before credit cards?

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By *icketysplits OP   Woman
over a year ago

Way over Yonder, that's where I'm bound

The pay thread and Gay Abandon (aka Caz) mentioned the Access card.

When did you get your first credit card?

What did you do before such accessible credit?

Are you one of the rare "never had one" breed?

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By *bony in IvoryCouple
over a year ago

Black&White Utopia

Never had one! Too much temptation! Lol

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By *iamondsmiles.Woman
over a year ago

little house on the praire

Don't know when I first got one.

Never use mine just my debit card as I get cash back on certain purchases.

Would only use a credit card in extreme circumstances. I'm not really one for credit if I haven't got the money I don't buy it simple

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By *icketysplits OP   Woman
over a year ago

Way over Yonder, that's where I'm bound


"Never had one! Too much temptation! Lol "

Well done you.

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By (user no longer on site)
over a year ago

I remember the first thing I paid for with a credit card and it was 18 years ago,the worst thing I ever did,managed perfectly well without one

I don't have one anymore and I never want one again

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By *icketysplits OP   Woman
over a year ago

Way over Yonder, that's where I'm bound


"Don't know when I first got one.

Never use mine just my debit card as I get cash back on certain purchases.

Would only use a credit card in extreme circumstances. I'm not really one for credit if I haven't got the money I don't buy it simple

"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

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By *iamondsmiles.Woman
over a year ago

little house on the praire


"Don't know when I first got one.

Never use mine just my debit card as I get cash back on certain purchases.

Would only use a credit card in extreme circumstances. I'm not really one for credit if I haven't got the money I don't buy it simple

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

"
I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

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By *B9 QueenWoman
over a year ago

Over the rainbow, under the bridge

I have two. Obscene amount of credit I never use. Be handy for Australia next year though when I hire a car.

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By (user no longer on site)
over a year ago

Still not had a credit card. Prefer to keep track of everything in just a couple of accounts.

Think I might get one to improve my credit rating if I do want to sort something out later

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By *iamondsmiles.Woman
over a year ago

little house on the praire


"Still not had a credit card. Prefer to keep track of everything in just a couple of accounts.

Think I might get one to improve my credit rating if I do want to sort something out later"
that's the only reason I got mine in the first place

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By *londeCazWoman
over a year ago

Arse End of the Universe, Cumbria

Prior to having my flexible friend, if I couldn't afford it, I either didn't get it or occasionally bought things on HP or rented (I'm pretty sure I didn't own a telly until the mid 90's although I had my own house and a mortgage in 1986)...as I said on the other thread, I now swap cards to get the 0% deals and recently transferred approx £3k debt over to a 36 month deal and set up a DD...I'm not stupid with my cards, but if I can get what is basically a 3 year interest free loan, then I'm gonna use it

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By *icketysplits OP   Woman
over a year ago

Way over Yonder, that's where I'm bound


"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

"

For the added benefits of protection on larger purchases and for when abroad for things like hotels and car hire.

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By *icketysplits OP   Woman
over a year ago

Way over Yonder, that's where I'm bound


"Prior to having my flexible friend, if I couldn't afford it, I either didn't get it or occasionally bought things on HP or rented (I'm pretty sure I didn't own a telly until the mid 90's although I had my own house and a mortgage in 1986)...as I said on the other thread, I now swap cards to get the 0% deals and recently transferred approx £3k debt over to a 36 month deal and set up a DD...I'm not stupid with my cards, but if I can get what is basically a 3 year interest free loan, then I'm gonna use it "

And it's not as if saving gives any real interest at the moment.

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By *londeCazWoman
over a year ago

Arse End of the Universe, Cumbria


"Don't know when I first got one.

Never use mine just my debit card as I get cash back on certain purchases.

Would only use a credit card in extreme circumstances. I'm not really one for credit if I haven't got the money I don't buy it simple

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

"

Wrt the consumer protection, I've just opened a PayPal dispute over early bird festival tix I bought for Wyrd and myself (the festival trading company has ceased trading and called in the receivers)...I paid on my credit card, thru paypal so will hopefully receive a refund from one or t'other of them

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By *iamondsmiles.Woman
over a year ago

little house on the praire


"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

For the added benefits of protection on larger purchases and for when abroad for things like hotels and car hire.

"
but you get protection with debit card. I'm not saying there's any thing wrong with credit its just not for me. Jay uses his cards all the time

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By (user no longer on site)
over a year ago

Maxed out my credit cards years ago and moved abroad with the cash. Never paid a penny back yet still get offers to have one but never will again. But then I'll never need one now

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By (user no longer on site)
over a year ago

Don't have a credit card. Plus I own my house and car outright, they may not be much but they are paid for.

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By *icketysplits OP   Woman
over a year ago

Way over Yonder, that's where I'm bound


"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

For the added benefits of protection on larger purchases and for when abroad for things like hotels and car hire.

but you get protection with debit card. I'm not saying there's any thing wrong with credit its just not for me. Jay uses his cards all the time

"

Not on all of them. They have to be part of the Chargeback scheme as they are not covered by the Consumer Credit Act in the way that credit cards are.

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By *iamondsmiles.Woman
over a year ago

little house on the praire


"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

For the added benefits of protection on larger purchases and for when abroad for things like hotels and car hire.

but you get protection with debit card. I'm not saying there's any thing wrong with credit its just not for me. Jay uses his cards all the time

Not on all of them. They have to be part of the Chargeback scheme as they are not covered by the Consumer Credit Act in the way that credit cards are.

"
well I'm sure mine but I'm not going to argue with you about it you seem to think your way is the right way

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By *icketysplits OP   Woman
over a year ago

Way over Yonder, that's where I'm bound


"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

For the added benefits of protection on larger purchases and for when abroad for things like hotels and car hire.

but you get protection with debit card. I'm not saying there's any thing wrong with credit its just not for me. Jay uses his cards all the time

Not on all of them. They have to be part of the Chargeback scheme as they are not covered by the Consumer Credit Act in the way that credit cards are.

well I'm sure mine but I'm not going to argue with you about it you seem to think your way is the right way"

Nothing about a right or wrong way just a statement of the consumer protection facts. Not all debit cards provide the protection but all credit cards do.

It's not an argument.

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By *iamondsmiles.Woman
over a year ago

little house on the praire


"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

For the added benefits of protection on larger purchases and for when abroad for things like hotels and car hire.

but you get protection with debit card. I'm not saying there's any thing wrong with credit its just not for me. Jay uses his cards all the time

Not on all of them. They have to be part of the Chargeback scheme as they are not covered by the Consumer Credit Act in the way that credit cards are.

well I'm sure mine but I'm not going to argue with you about it you seem to think your way is the right way

Nothing about a right or wrong way just a statement of the consumer protection facts. Not all debit cards provide the protection but all credit cards do.

It's not an argument.

"
I wasn't just on about that bit the whole thread is geared to you thinking credit cards are the only way

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By (user no longer on site)
over a year ago


"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

For the added benefits of protection on larger purchases and for when abroad for things like hotels and car hire.

but you get protection with debit card. I'm not saying there's any thing wrong with credit its just not for me. Jay uses his cards all the time

Not on all of them. They have to be part of the Chargeback scheme as they are not covered by the Consumer Credit Act in the way that credit cards are.

well I'm sure mine but I'm not going to argue with you about it you seem to think your way is the right way

Nothing about a right or wrong way just a statement of the consumer protection facts. Not all debit cards provide the protection but all credit cards do.

It's not an argument.

"

Yes it is

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By *icketysplits OP   Woman
over a year ago

Way over Yonder, that's where I'm bound


"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

For the added benefits of protection on larger purchases and for when abroad for things like hotels and car hire.

but you get protection with debit card. I'm not saying there's any thing wrong with credit its just not for me. Jay uses his cards all the time

Not on all of them. They have to be part of the Chargeback scheme as they are not covered by the Consumer Credit Act in the way that credit cards are.

well I'm sure mine but I'm not going to argue with you about it you seem to think your way is the right way

Nothing about a right or wrong way just a statement of the consumer protection facts. Not all debit cards provide the protection but all credit cards do.

It's not an argument.

I wasn't just on about that bit the whole thread is geared to you thinking credit cards are the only way"

If that's the way you want to read it then fine. It's not how I view the world or this thread but I am not arguing with you.

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By *iamondsmiles.Woman
over a year ago

little house on the praire


"

It's not just about the credit though. For larger items you get the added consumer protection.

I use my credit card all the time as I get vouchers back. I pay it off every month and have those lovely vouchers to spend too.

I can live without mine thank you I get enough back on my debit card. Can't see why people would use a credit card if they've got the cash

For the added benefits of protection on larger purchases and for when abroad for things like hotels and car hire.

but you get protection with debit card. I'm not saying there's any thing wrong with credit its just not for me. Jay uses his cards all the time

Not on all of them. They have to be part of the Chargeback scheme as they are not covered by the Consumer Credit Act in the way that credit cards are.

well I'm sure mine but I'm not going to argue with you about it you seem to think your way is the right way

Nothing about a right or wrong way just a statement of the consumer protection facts. Not all debit cards provide the protection but all credit cards do.

It's not an argument.

I wasn't just on about that bit the whole thread is geared to you thinking credit cards are the only way

If that's the way you want to read it then fine. It's not how I view the world or this thread but I am not arguing with you.

"
good at least we agree on something

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By (user no longer on site)
over a year ago

Do theatres only employ blonde bimbo's in the sales offices these days?

I rung them up and asked if they had wheelchair access.

"Yes" she said, "we take all debit and credit cards".

Lickety, is it fair (or still relevant)to add that some/most consumer protection only kicks in for credit card spend on items/purchases over £100.

Although i understand that it still applies if you have only paid a deposit, say £10, towards a £100+ purchase.

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By (user no longer on site)
over a year ago

What's a credit card?

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By (user no longer on site)
over a year ago

I have never had a credit card, I'm a firm believe of if you can't afford it save up or go without, never had a loan either I refuse to get into debt, I may not have all the top of the range stuff but it's all paid for

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By *icketysplits OP   Woman
over a year ago

Way over Yonder, that's where I'm bound


"

Do theatres only employ blonde bimbo's in the sales offices these days?

I rung them up and asked if they had wheelchair access.

"Yes" she said, "we take all debit and credit cards".

Lickety, is it fair (or still relevant)to add that some/most consumer protection only kicks in for credit card spend on items/purchases over £100.

Although i understand that it still applies if you have only paid a deposit, say £10, towards a £100+ purchase. "

Of course it's fair if that's your post. £100 is the magic number.

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By *illwill69uMan
over a year ago

moston

My first card was an Access Card, got it when I paid my first grant check into the TSB in Sept75. Credit limit £200!

Now only use credit card when buying on line and I have a special pre paid card for that, that I charge with however much I am spending...

No ones going to get access to my bank accounts and clear me out!

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By *bi HaiveMan
Forum Mod
over a year ago

Cheeseville, Somerset


"

Do theatres only employ blonde bimbo's in the sales offices these days?

I rung them up and asked if they had wheelchair access.

"Yes" she said, "we take all debit and credit cards".

Lickety, is it fair (or still relevant)to add that some/most consumer protection only kicks in for credit card spend on items/purchases over £100.

Although i understand that it still applies if you have only paid a deposit, say £10, towards a £100+ purchase. "

Rule 75 of the 1974 Consumer Credit Act!

For any purchase made between £100 and £30,000 on a credit card you have the added protection of being able to claim back your money from the credit card company in the event of the retailer going bust, goods not arriving, not arriving as they should or being damaged. Useful if the retailer is no longer there!!!

You only have to spend £100 - so can use a credit card for a deposit on a car, holiday or expensive item - pay the rest however you want - and still be able to claim the full amount back from the card company. If you've hot the cash just pay off the card next day!

Google any story of a travel firm going bust and spot the difference between those who paid cash or by debit card, and those who paid by credit card.

The latter got their money back.

A

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By *asmanian TigerMan
over a year ago

lala land

I don't have one and will never use one.

When i need or want something and i can't afford it i save for it..

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By *.nottsbloke..Man
over a year ago

the vale

never had one

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By *xpresMan
over a year ago

Elland

Got my 1st @ 18 but dont have or need one anymore

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By (user no longer on site)
over a year ago

Never had one but the oh has one. Was useful when kids were small as I only had a low paid evening shop job., used for essentials

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By (user no longer on site)
over a year ago

We have a credit card but only use it for online purchases or for expensive items (for the added consumer protection)

When we use it we pay it off straight away, plus when we do use it we get cash back as well!

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By (user no longer on site)
over a year ago

I hate having things on credit. If can't afford it you don't need it.

I'm still paying off the one my husband ran up before he left 6 yrs ago.

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By (user no longer on site)
over a year ago

No idea when I first got one. I use my credit card on everything I buy over £5. Works just like a debit card.

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By (user no longer on site)
over a year ago

Can you believe that my ex and I couldn't get a mortage without one. We had no credit history. They gave us one with 4k credit on it.

Great idea not

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By (user no longer on site)
over a year ago

Didn't have 7600 worth of debts to pay off. Lol.

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By *B9 QueenWoman
over a year ago

Over the rainbow, under the bridge

If I want to hire a car in Australia I have to have a credit card. They won't accept cash or a debit card. It was the same when hiring a car in Florida.

And both times I booked in the UK prior to the trip yet they still insisted I used my cc.

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By (user no longer on site)
over a year ago


"I have never had a credit card, I'm a firm believe of if you can't afford it save up or go without, never had a loan either I refuse to get into debt, I may not have all the top of the range stuff but it's all paid for "

Same here.. i took a loan out when i was 18 just because i could then spent 12 month paying it off.

Did buy a car on finance though but thats it.

I dont even have an overdraft on my current account.

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By (user no longer on site)
over a year ago


"Can you believe that my ex and I couldn't get a mortage without one. We had no credit history. They gave us one with 4k credit on it.

Great idea not "

I only got mine because I wanted a £1000 loan from the bank, they said no, but have a cc with £5000 limit on instead

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By (user no longer on site)
over a year ago

I got one when I was financially naive, and it was the biggest mistake I made

I'm much more in control now, but it was a hard lesson

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By (user no longer on site)
over a year ago

No credit card and no overdraft either. But thankfully I do have very helpful and generous parents who assist me financially when I really need it for which I will be eternally grateful

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

I have one for anything I buy on the internet or any big purchases over £100 as your purchase is protected that way.

I never have a balance as I have a DD set up with my bank to pay the full amount owing every month.

It is more for protection that I use it as I don't want to use my debit cards or bank account details on the net.

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By (user no longer on site)
over a year ago


"I have one for anything I buy on the internet or any big purchases over £100 as your purchase is protected that way.

I never have a balance as I have a DD set up with my bank to pay the full amount owing every month.

It is more for protection that I use it as I don't want to use my debit cards or bank account details on the net. "

See i use paypal for internet stuff

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By *inaTitzTV/TS
over a year ago

Titz Towers, North Notts


"

See i use paypal for internet stuff"

Same here. I used to have a credit card, but used it twice in about 2 years.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

Yeah I just used Paypal, but they only have my CC details, I still won't add my Debit card or bank details onto there.

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By (user no longer on site)
over a year ago

For anyone unfamiliar with the term, google 'stoozing', if you've got the means you'll find a 0% interest credit card can earn you a nice little sum. Follow the rules though!

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By (user no longer on site)
over a year ago

Cash only for me. If I haven't got any notes I don't buy anything.

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By *ichaelangelaCouple
over a year ago

notts


"I have one for anything I buy on the internet or any big purchases over £100 as your purchase is protected that way.

I never have a balance as I have a DD set up with my bank to pay the full amount owing every month.

It is more for protection that I use it as I don't want to use my debit cards or bank account details on the net. "

this is how we do it too

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By *all-Eddies QosCouple
over a year ago

wirral

Never had one.....dont want one either.....id just rack up a massive bill sat at home, buying shit and having to hide it from my fella......

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By *lttattoocoupleCouple
over a year ago

Worcester

We've both never had one. Had phones and couple things on credit. Just don't trust ourselves

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