Credit cards have given tough time to many. It is a time for all of us to seek an alternative.?
536134
Your question looks like an advertisement for your blog.\nAt the same time your blog is interesting.\n\nDo you think a cashless society with a computer chip under the skin will be a possibility someday?\n\nSuch a chip is already used by Vets under animals skin with their medical records scanned from the chip and updated the same way.  \nMany Christians believe the Anti-Christ (a world leader) will use this to have his World System and track people.\n\nEven for those who are not Christians though a chip under our skin for a cashless society without plastic cards \nmight solve many problems at the same time it is creepy, \na little like 1984, "Big Brother is watching you!"\n\n\nNewly added:\n\nShri, \n\nThe reason I said that about an anti-Christ using the chip is because the book of Revelation in the New Testament talks about a mark on the forehead or on the hand for all to buy and sell but the catchy thing is that this mark will represent loyalty to and worship of this world leader.\nThe anti-Christ, as a world leader will bring peace \n(I say false peace) for 3 1/2 years because after that the anti-Christ will turn on Israel who he helped at first.\nAlso all who refuse this mark and refuse to worship this world leader will not be able to buy or sell, will be persecuted, when caught will be tortured, and many even have their heads chopped off for being faithful to Jesus.\n\nYes, that was Pastor Bill's blog on Yahoo360, my blog that you visited and signed.\nThank you for visiting and adding a comment to my blog.\nThose were very kind words you said about me.\n\nI am amazed when people even if only in reference to the Bible refer to me as intelligent, Bible scholar or \n"a learned man" because I am aware of how much I do not know.\n  On top of that I know various people and there is somebody I know either in my personal life or on the net that is more intelligent then myself in every area I can think of.  \nI think when others see me as you stated in your comment on my blog as "a learned man" then it must be God working through me.  \n\nI am not trying to be preachy.\nI usually save that for my blog, my Yahoo chat groups, \nand Yahoo Questions about religion, the Bible, God, Christianity etc. \nMy point for the following is just a little background as to how in the 51 years of my life, I accumulated my limited knowledge.\n\nEven before I was a follower of Jesus, I believe that God gave me a hunger and thirst for knowledge, knowing that He, God would use this love of reading and self-study some day to His glory.\nEver since a child I have always enjoyed reading and had a thirst for knowledge.\nBut certain subjects I found the classroom to make boring while much of it, I discovered to be fascinating when outside the classroom.\nThe Bible was another of one of the few areas I was close minded about even though I was raised in a very religious denomination.\nThat is I was close minded until the Holy Spirit started dealing with my heart and I became a follower of Jesus Christ.\nNot religious that is dead religion but a powerful experience in Jesus Christ causing me to be a follower of Him not only on Sunday but all week long.\nI started following Jesus in 1975.\nI was privileged to attend and complete a 3 year Bible College from 1979 to 1982.\nIt did not take much time for me to realize that in the first few years as a Christian following Jesus and the 3 years of Bible College was only a foundation for all I continued to need to learn both through studying and life experiences.\nEven ministering on the internet in the last 2 or 3 years,\nI have learned a whole lot more and still....\nI know there is a lot I do not know.\nBut again Shri, I thank you for your complimentary words on your comment at my blog.\n\nI hope my added comments are not too long.\n\nSincerely,\na follower of Jesus Christ, \ninternet Pastor Bill\n\nPS I invite you and all to join our Yahoo chat group:\nGod and Disasters · Disaster
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Most people don't know about this but there is an opt out for credit card companies.  You can opt out for 5 year periods or for life.  Goto https://www.optoutprescreen.com/ and fill out the form.  That's all.  It worked for me within a few months no more credit card offers at all!
478619
Doesn't everyone have loads of credit cards these days?! I mean they are so easy to get hold of. Every week I get something in the post inviting me to sign up for some new low interest credit card! I think they're terrible because they are so difficult to control!! I had a MasterCard when I opened my student bank account in case of emergencies. i wanted a really low limit so I went for one with a £250 limit on. Now less than four years later despite never having asked for the limit to be increased it is now £2000! That ridiculous. How could any normal person ever pay that off? Especially with the 12.5% interest rates. They just increase your limit all the time to encourage you to get into more debt. Not only that but credit cards seriously over charge if you go over your limit - up to £25 even if you go over by a pound!
753655
Credit cards aren't necessary BUT they are a lovely amenity to have.\n\nIt would be lovely to say this - but its not true.\n\nIf you are going to live the average life and engage in normal activity (i.e. - rent a vehicle, reserve a room or book a flight) then yes credit cards are rather necessary simply because companies are making them necessary.\n\nThere are ways around using credit cards unfortunately society has crippled the mind so intensely many think they cannot survive without the option of Cash or Credit.
1147001
No, I don't use credit cards either.  Like you, if I can't pay for it, I don't get it....:)
665193
Did you mean one at a time? If not then you are in for a treat if you are lucky. Could be exhausting though, if there is more than one of us we get really mad if we don't get our share. Trust me it can work out, but is not easy. Best of luck. Joan. UK.
1089998
We're now working on the principle of "credits" or "points". You trade me so many points, I keep your lights on. Pretty soon we won't use cash and won't need credit cards... our financial history and information will be linked to our thumbprints (of course, we must fight against this!!) so you'll just give you thumbprint and walk out of the grocery store or pay your electric or whatever. \n\nTechnically, there are not enough bills or coins in the US to cover all the monies we use daily.
469697
Strangely enough, it's not a certain investment that will reverse the trend of the current middle class economic condition.  It's a change in spending habits and debt.  We are a country in massive debt working to pay back credit card and lending companies.  All we would have to do is change the way, and frequency, in which we spend and the middle class would once again grow and be strong.
507643
I think people could have unlimited choice, but they don't want it.  They want to choose from a few options.  It is less work and less overwhelming.  I do a lot of market research for my job and I come across this phenomenon all of the time.
718411
If you have a decent business try establishing a merchant account with your bank to accept credit cards. Also look up Innovative Solutions on the internet where you can process credit cards online. Also NetPlugin offers shopping carts for your business with credit card solutions as well.
877860
Deborah,\n\nHave you tried to switch the cards to lower interest cards, presumably  your credit rating is okay ? so try applying for cards with lower rates on the interest and then switching to those cards, cards like capitalone.com who might be able to give a limit that allows you to get rid of some of the cards down to say three or four.   Presumably you need at least one or two cards so thats an option.\n\nAnother suggestions is take a  look in the financial pages of the "Daily Mirror/Mail" there are always loan firms advertsing in there for debt consolidation loans, do it while you are able to before things get out of hand. Sounds like you are having a bit if a struggle there.
166959
you could try credit card companies
247833
Yes and no...used for emergencies or to make travel reservations, they can be a very useful tool but when people use them for everyday expenses and purchase more than they can pay off each month, what used to be called "living beyond one's means" a credit card becomes a loaded gun with which to commit financial suicide.
348699
it is about time that there was a crack down...ruining children's credit...without ss card you can't get a job or get married. thank you for showing this.
468055
You've been denied because you don't know how to handle money.  You don't need a credit card, you need to spend money MORE wisely, not borrow more money.\n\nWhat's in my wallet?  CASH!
148280
There are two factors at stake. One is the interest rates of the credit card companies which are very high. The other factor is in the inability of many people to live within their means. I pay my credit card bills in full every month. Many people simply lack that restraint. To blame the credit card companies is like blaming Anheuser Bush because you drank too much beer and got a DUI.
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Unfortunately, there are always tradeoffs when you are looking for a credit card. I take it from your question that perhaps your credit is not so good. There are four types of cards that are available to those with poor credit.\n\n1. Secured credit cards - probably the best type of card to get because\n\n1. They have low annual fees\n2. Most do not have processing fee\n3. Most report to 3 major credit bureaus\n\nBut they will check your credit!!\n\n\n2. Unsecured credit card for people with bad credit.\n\nYou can also apply for an unsecured credit card. There many subprime credti cards around. However, they will check your credit and most likely, you have to pay a processing fee.\n\n\n3. Prepaid Credit Cards\n\nYou can also get a prepaid visa or mastercard. There are no credit checks. The reason is they are not giving you credit. (It's like a debit card). However, most charge a processing fee, some very low and some very high. Furthermore, you do not build a credit history with most prepaid cards.\n\n4. Catalog Cards\n\nThe most common are the ones from USA Credit. There are no credit checks, but you have to pay a processing fee. Furthermore, you can only shop at usashoppingclub.com and not use the card anywhere else. Having said that, they report to one credit bureau (not stated which one) and it helps you rebuild your credit.\n\n\nBest bet for you is to get a low cost secured credit card that reports to the 3 credit bureaus and not get hung up over the credit checks and processing fee criteria that you have set for yourself.