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How to Manage Your Debt Loan

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debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 285

16 Magic Points

Sun Nov 18, 2007 4:36 pm

I hear you there...debt seems to be never ending. the only thing we can do is try to manage it the best way we can. just paid off our cards and now more is on there with online shopping for Christmas etc. I won't use my debit because i'm scared. at least with a credit card they're easier to work with should something happen.

carol

Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California

29555 Magic Points

Mon Nov 19, 2007 11:36 am

Could you just explain why you are scared with a debit card. What do you think can be a threat possessed by a debit card?
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Carol

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 606

57 Magic Points

Sat Dec 01, 2007 11:34 pm

Maybe because you have better backing with a credit card if you information is stolen, alot of card companies have that policy, where I don't think alot of debit cards do, you would have to file disputes through your bank and go through more hassle trying to get your money back. That is just my guess.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Tue Dec 04, 2007 2:55 am

It is alot easier to dispute with a credit card vs a debit card. You can just call the credit card company while the bank is alot of paperwork that you have to file personally at the bank, pain in the rearend.
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fred333

Joined: 22 Jan 2008
fred333's page
Posts: 27

814 Magic Points

Thu Jan 31, 2008 8:28 pm

yea I had to go through that a couple of months ago. I was a horrible experience.
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Trying to find debt settlement in my life.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35467 Magic Points

Fri Feb 01, 2008 7:13 am

So debit card is a pain. I want to know how many credit cards do you normally keep?
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Laura.

August

Joined: 09 Jan 2008
August's page
Posts: 134

30 Magic Points

Fri Feb 08, 2008 12:40 am

I have one debit card, one credit card and one paypal card. I use the paypal for all online purchases because I know it is very secure. I only use the credit card for travel expenses, I use the debit card for most of my shopping like groceries and etc. With all make sure that you note what you have spent to make sure the correct amounts are coming out. I use a check book register for each one, it is just easier that way.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Sat Apr 05, 2008 2:55 pm

wE HAVE THREE CREDIT CARDS lOWES, DISCOVER AND A STORE ONE. WE ARE PLANNING ON PAYING TWO OFF AND CLOSING. WE ARE KEEPING THE DISCOVER THOUGH . I HEAR OF PAYPAL ALL THE TIME. I ORDER FROM THE NET BUT HAVE NO CLUE HOW PAYPAL WORKS.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Mon Apr 07, 2008 12:12 am

Paypal is a secure pay system that will allow you to pay for items and then pull the money from your bank account. I use it all the time to purchase through ebay and other online purchases. I have never had a problem with it. If you have other questions, just yell.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: debt

Mon Apr 07, 2008 3:35 am

I have a Paypal debit card, too. It IS a very good card. You can 'attach' your bank account with it, and it's 'secure' when you use it. No fees, etc. like a credit card.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35467 Magic Points

Mon Apr 07, 2008 8:28 am

Paypal is safe..
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Laura.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: card

Mon Apr 07, 2008 10:37 am

Paypal seems like the it's one of the ONLY cards that are safe. Ya know? I just had to replace my bank debit card, because someone got my Debit Card number and made an unauthorized purchase.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Mon Apr 07, 2008 7:04 pm

Wow sd chargers what did you do. I hear that your own bank is less likely to back you up as a credit card place. That is sad if it is true. Goodnatured..I was always told that you needed to open an acount and then use that money. My brother started a paypal account recently and didn't explain very well. I myself have always been afraid of ebay. I heard once that it is the worst site for contracting a virus. Is that true?

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit card

Sat May 10, 2008 1:06 am

FIREYONE...what do you mean " what did I do?" I have a Paypal debit card...1) I think it's safer than having 'regular' credit cards and 2) the 'bad credit, credit cards' have WAY too high of an % rate. I DID have a 'bad credit' card at one time. Just got to the point the % was killing me.

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 686

17396 Magic Points

Sat May 10, 2008 11:44 am

I think for online purchases, paypal card is the most secured and convenient one. Paypal debit card has in fact no annual fees and interest rates that are associated with credit cards. For other expenses like travel and grocery one can always use a credit card.
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