Posted by Rich_WI on July 28, 2013 at 17:57:23 from (50.50.82.205):
In Reply to: In good company posted by Mike (WA) on July 28, 2013 at 14:56:49:
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Its not a bad deal, its just many people have lived without them for a long time and then when they want a credit card, its hard to get one. Another problem is, when the economy tanked a few years ago, credit card companies started dumping people that do just what you do (charge everything and pay off at month end). The reason is, the service isnt free to provide and if people wernt going to pay some interest, the companies didnt want them. An exception was bank backed credit cards but thats kind of a different discussion because the bank makes the rules for the credit card provider to follow and frequently over rules dumping customers.
Rrlund, you can get a secured credit card. It may work for you but you would have to look into how long it takes after depositing money before you can charge against it, otherwise you will have to just keep some money in the account. Unlike debit cards, secured credit cards are in fact seen as credit at the purchace point, just they have a credit limit that matches your deposit in the bank account.
All cards, no matter what is printed on them, show up on the sellers computer screen as being credit or debit. Some cards are set up to act as both, in which case the cashier usually says "will this be credit or debit?". Dispite what JDSeller is saying, the places that he is purchasing at know what he has. Thats why he gets a cash discount when buying gas... because he is in fact paying with electronic cash right from his bank account. Same with getting a cash discount for buying parts, they are seeing that the card is a debit card and are giving him the discount (although if it was my business and he bought enough that a couple percent amounted to a grand, I would give him the discount if he paid in pennies). The point is, it dont matter what anybodys card says on it, its what pops up when its swiped or the card number is punched into the computer if you are buying over the phone.
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