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The New Coffee Room

  1. TNCR
  2. General Discussion
  3. Dave & the Credit Cards

Dave & the Credit Cards

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  • George KG George K

    @Jolly said in Dave & the Credit Cards:

    George K - rare duck.

    Really?

    HoraceH Offline
    HoraceH Offline
    Horace
    wrote on last edited by
    #7

    @George-K said in Dave & the Credit Cards:

    @Jolly said in Dave & the Credit Cards:

    George K - rare duck.

    Really?

    He means you're tough, and cooler than the fuddy duddies at the USDA recommend.

    Education is extremely important.

    1 Reply Last reply
    • MikM Mik

      I agree with him IF you think you are somehow beating the system. As long as you use the card with the understanding that it is the same as taking money out of your checking account and you get a cashback, fine. But too many people spend more than they should because it doesn't have the same pain as handing the cash over.

      Aqua LetiferA Offline
      Aqua LetiferA Offline
      Aqua Letifer
      wrote on last edited by
      #8

      @Mik said in Dave & the Credit Cards:

      I agree with him IF you think you are somehow beating the system. As long as you use the card with the understanding that it is the same as taking money out of your checking account and you get a cashback, fine. But too many people spend more than they should because it doesn't have the same pain as handing the cash over.

      I'm with George. Every single damn thing goes on a card, which I pay off every 72 hours or so.

      Please love yourself.

      F 1 Reply Last reply
      • George KG George K

        @Jolly said in Dave & the Credit Cards:

        George K - rare duck.

        Really?

        JollyJ Offline
        JollyJ Offline
        Jolly
        wrote on last edited by
        #9

        @George-K said in Dave & the Credit Cards:

        @Jolly said in Dave & the Credit Cards:

        George K - rare duck.

        Really?

        Yep.

        Dave said in the video they had information that Citibank runs over 10,000 studies per year, setting up card "perks" and algorithms.

        They're making money... 🤑

        “Cry havoc and let slip the DOGE of war!”

        Those who cheered as J-6 American prisoners were locked in solitary for 18 months without trial, now suddenly fight tooth and nail for foreign terrorists’ "due process". — Buck Sexton

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        • X Offline
          X Offline
          xenon
          wrote on last edited by xenon
          #10

          He must mean that having credit cards leads to over-consumption.

          The convenience of the card lowers the barrier for transactions - so best not have a credit card at all.

          It’s tough to walk that binary though (absolutely no credit cards). It means you gotta opt out of services that only accept credit card (e.g. digital subscriptions, Uber, etc.)

          AxtremusA 1 Reply Last reply
          • X xenon

            He must mean that having credit cards leads to over-consumption.

            The convenience of the card lowers the barrier for transactions - so best not have a credit card at all.

            It’s tough to walk that binary though (absolutely no credit cards). It means you gotta opt out of services that only accept credit card (e.g. digital subscriptions, Uber, etc.)

            AxtremusA Offline
            AxtremusA Offline
            Axtremus
            wrote on last edited by
            #11

            @xenon said in Dave & the Credit Cards:

            He must mean that having credit cards leads to over-consumption.

            The convenience of the card lowers the barrier for transactions - so best not have a credit card at all.

            What could raise the barrier even higher for transactions? Cryptocurrency! Maybe Dave will update his mantra from "only pay cash" to "only pay crypto!"

            1 Reply Last reply
            • JollyJ Offline
              JollyJ Offline
              Jolly
              wrote on last edited by
              #12

              Don't hold your breath...

              “Cry havoc and let slip the DOGE of war!”

              Those who cheered as J-6 American prisoners were locked in solitary for 18 months without trial, now suddenly fight tooth and nail for foreign terrorists’ "due process". — Buck Sexton

              1 Reply Last reply
              • AxtremusA Offline
                AxtremusA Offline
                Axtremus
                wrote on last edited by
                #13

                I could have proposed something equally silly such as “only pay gold (hard currency),” but Dave just might be crazy enough to go there, hence the crypto proposal instead.

                1 Reply Last reply
                • Aqua LetiferA Aqua Letifer

                  @Mik said in Dave & the Credit Cards:

                  I agree with him IF you think you are somehow beating the system. As long as you use the card with the understanding that it is the same as taking money out of your checking account and you get a cashback, fine. But too many people spend more than they should because it doesn't have the same pain as handing the cash over.

                  I'm with George. Every single damn thing goes on a card, which I pay off every 72 hours or so.

                  F Offline
                  F Offline
                  Friday
                  wrote on last edited by
                  #14

                  I'm with George. Every single damn thing goes on a card, which I pay off every 72 hours or so.

                  Same here. We keep cash in the house, but very rarely use it.

                  1 Reply Last reply
                  • LarryL Offline
                    LarryL Offline
                    Larry
                    wrote on last edited by
                    #15

                    I only use a card for things I want a record of. Otherwise, I use cash for everything.

                    1 Reply Last reply
                    • X Offline
                      X Offline
                      xenon
                      wrote on last edited by xenon
                      #16

                      I use cash for for things that don't have to be bought every month - clothing and just-for-fun things. (I only started doing this a few months ago. I was cashless for over a decade)

                      All the essentials are on a card or autopay (utilities, groceries, etc.).

                      Cash really does help reign in discretionary spending, and much of it is unnecessary.

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