Thursday, October 13, 2011

Voice from the Other Room

So, today, we got four (count 'em) FOUR credit card offers in the mail, including one for a card that we already have. They were offering me a unique opportunity to get one in my name. Throwing the stuff away, I said to Tim, "So why would ******** think that we needed two cards?"

Voice from other room: "So we can get more stuff."

After some thought, I said, "You mean right now. Without waiting. We could have everything we want?"

Voice from other room: "Yep."

Me: "We could buy everything we wanted for the house right now, all the rugs, the livingroom furniture?"

Voice from other room: "I suppose."

Me: "Tim, we DESERVE to have everything we want, right now."

Voice from other room advises me to throw the stuff away.

You know, I was just goofing around, making a joke. I would have thrown the crap away anyhow, but it bothers me to think of all the people who receive these offers and don't throw the stuff away. To all of you people, let ME be the voice from the other room, the one that advises you to throw the stuff away. If you can't pay for the stuff right now, you're not going to be able to pay for it next month either.


Mikey said...

Amen to that. I tossed my cards years ago. I was telling Wade this morning, I just saw on Paypal, bill later, pay later. That's how this country got into trouble in the first place. Throw it away!!

Scotty said...

I couldn't agree more, Debby. While I do have a Visa card with a small amount of credit on it (for emergency use only), I haven't used it in years, preferring to save until I can afford to pay cash.

Mary Paddock said...

Sadder but wiser here (Though at the time it wasn't about buying fun things or not deferring wants--it was about surviving a lay off with four kids) and I couldn't agree more.

The two older boys started getting credit card offers regularly in the mail immediately after their eighteenth birthdays. I went to the opt out site and was able to eliminate most of the offers (theirs and ours), but they still appear from time to time. It pleases me greatly to see them throw those offers away (and angers me that they try to hide who they are). We've talked to the boys at length the pros and cons of credit and wise management. They saw us struggle and the depression I suffered as the result of it. I am hoping this stays with them forever.

Jayne said...

Never had a card and I hope the Feral teen has learnt to never get one, either.

WhiteStone said...

I've always hated owing money. And have seldom carried a balance on a credit card. We don't buy until we can buy with cash (actually, we use the card to get airline miles, then pay it off monthly). If we can't pay it off, we don't buy it.

BUSH BABE said...

I have mixed feelings here... I agree they shouldn't be used as ready cash, but (at least in Oz) its pretty hard to get any kind of loan down the track if you haven't got a credit record. Having a small debt and learning to pay it back within time is a good exercise in discipline and shows banks (when you need a home loan) that you are capable of handling debt.

Of course, there is nothing worse than having that $500 blow out to $5000 or worse with those 'offers to lift limit' - the ones I really hate!

quid said...


Debby said...

BB has a valid point, and one that I want to make sure people 'get'. We have two credit cards. We do use them. One is on line w/ a small limit, so that if we are 'hacked', that credit card is not linked to our bank account, and the crooks will also not get much. We have resisted all offers to raise the limit on it, and once, when the company did so, anyway, sending us an excited letter AFTER the fact, we called them immediately and had it reduced. Seemed like it was the first time that the girl had taken a phone call like that.

We also have a card we use for local purchases. Just one. Sometimes we will get a store credit card because they have a mindboggling offer, but when the card arrives, we cut it up, and never use it.

The difference is this: when we use our card, we know where the money is coming from to pay it off in full. If we are not sure that we will have the money to pay it off in full, we don't use the card. Many younger people have a sense of entitlement that I don't understand, and they want everything, and they want it now, and that is what gets people in trouble. They don't make the link that what they want NOW is going to cost them LATER.

Credit cards are necessary in these times (try to get a hotel room w/o one) but people have got to be responsible. There is nothing more aggravating to me than to listen to someone complaining about the 'evil' banking system. The fact is, they were irresponsible and made foolish choices.

I also say this: anyone that has a fist full of credit cards already has a problem.

*steps down off soapbox*

Brianna said...

I just had a call at work tonight. This woman went through 4 credit cards before she found the one that wasn't maxed out... then proceeded to tell me that she was glad she found the right one early on, because she would've hated it if she had me type in all 13 of her card numbers before we found the right one!

Pencil Writer said...