For me, it was that the Internet never forgets and that you should never enter your real name. In my opinion, both of these rules are now completely ignored.
For me, it was that the Internet never forgets and that you should never enter your real name. In my opinion, both of these rules are now completely ignored.
Removed by mod
It’s only expensive if you don’t pay it in full every month. I’ve had my credit card for years and have paid $0.00 total for it whilst it generates at least 1% cash back or more depending on where used. Not much, but it adds up and makes it beneficial.
I feel like a lot of small shops now (especially restaurants and convenience stores) charge for using a credit card in a manner that wipes out any benefit from “cash back rewards”.
To me the bigger benefit is that a card that is opened many years ago (pair on time) gets you a better credit score. This will net you much better deals throughout life for major purchases like a car or home (if you are lucky enough to still be able to afford one).
Only time I’ve had fraudulent charges was when I was 18 or so and hadn’t yet got my first line of credit. They disputed the charges normally and froze the account. It did suck not having much money but I also was living at home still so I just avoided spending money for a few days until it all finished processing
I have. My bank did a chargeback like they would if it was a credit card. I was told it would’ve been a lot harder to get my money back if my PIN was used. But, I’ve only seen that option available for in-person purchaees.