You can't buy a kebab in Barnsley after midnight with a credit card, no matter how hungry you are. You can, however, buy heroin from the top of Cemetery Road. You can also, if you're that way inclined, jump in a taxi, get the taxi to stop on Sheffield Road, nip out to buy your drugs, get back in the taxi and go home. I had no idea attitudes were so liberal. I don't know if you can use a credit card though, I didn't try, but I suspect not.
You could probably unwind with a nice 'massage' somewhere on Sheffield Road too but you probably wouldn't want to use your credit card.
Re: Things I learned yesterday tea time ... there are even more idiots on the road in rush hour than there are at school run times. Having passed a huge accident on the M1 on my way into work, (it all seemed to be cars piled into each other in the outside lane); I drove home later than usual. Flippin' heck.... some cars are doing 90+ mph and are only 5-10 yards apart. Absolutely frightening that people would take risks like that.
So taxi drivers colluding with law breakers. And there is general acceptance of smack heads (who sadly don't OD). I've got a house, two kids and a car etc and never owned a credit card. Debit card is all you need
"Debit card is all you need" They didn't take debit cards either. You may think a debit card is all you need, but if you ever get scammed they've taken your money from your bank account and it's up to you to try to get it back. If your card gets copied they're taking your money from your bank account. If you pay for a product over the internet and it doesn't arrive they've taken your money from your bank account. I pay for everything on a credit card and settle it at the end of the month. Absolutely everything. I've never paid a single penny in interest payments as I always clear the account. In fact, I earn a good deal of money by using my credit card so often with the various cash back and points schemes they offer. Averages out at about £250 a year. Not a massive amount, but not to be sniffed at, and it just about pays for my season ticket. If I get scammed, if my cards are copied, if I don't get what I've paid for, they're taking Mastercard or Visa or American Express's money and it's up to them to recover it. Nothing leaves my bank account. Summat to think about maybe?
My preference for no credit card is because I only then spend what I have. Wouldn't trust myself to pay back
That's fine, I'm not trying to sell you one mate, just explaining that there are other ways of doing things and there can be benefits. But there can be pitfalls too, like the one you've stated. You've just got to do what works best for you.
I'm going to start getting a bit stroppy in a minute. Where have I said you need a credit card? Where have I said you need one to survive? I recounted, what I hoped to be, a slightly amusing story to ease us gently in to the day and all I've got back is, "Don't come on here telling us we need credit cards, we're doing perfectly fine as it is thank you very much Mr Fancy Pants."
I wasn't aware Anyone said you had. I simply mentioned to funnyfella23 that I, like he, had never had need of a credit card. For a Bohemian, you're an aggressive so and so. I'm glad I never had to face you in the wrestling ring, you'd beat me to a pulp.
Re: I wasn't aware I'm not being aggressive at all mate. You know what I'm like at the football games, taking the piss with a smile constantly on my face. That's exactly what I'm like when I'm posting on here. I think what I've said above is obviously in jest, I've even put the smilies in to emphasise that, but I'm clearly failing to make that clear. I don't really want to change the way I am, I like being daft and silly and not taking anything seriously, but if I'm coming across as aggressive then I'm going to have to because that is not the intention at all.
Re: I wasn't aware The mickey taking out of me is exactly what I need. I'm perfectly happy with that, just wanted to make sure you didn't think I was having a go.
I do exactly the same as you, Jay, in using my credit card for all my transactions. I even bought a franchise business for £8,500 and paid by credit card. When the franchise seller was wound up by the DTI for fraudulent misrepresentation in selling franchises, I got the whole amount back from my credit card company!
I do the same, why pay for something today when you can pay exactly the same in a month's time? My missus also has a credit card on my account, but unfortunately it was stolen a few months ago. She keeps pestering me to tell the police about it, but why should I? The thief is spending less money than she did.
Credit cards are the tip of the iceberg. I'm a loan shark by trade. 6000% APR and your knees bent the wrong way for late payments.