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How did you pay for your iPad?
- Thread starter zenoran
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Purchased two 64GB WiFi + LTE preordered with my debit card. Debated about sending the two iPad 2 64GB WiFi + 3G to the family in-law over seas, but opted to eBay and do Windows laptops instead. Yes, America consumes electronics different than some other countries. In this case, the destination highly regards Apple products as excessive preferring cheaper Windows and Android platforms for a variety of reasons.
Paid with my chase freedom visa for reward points, at best buy for reward zone points.
This thread surprised me somewhat with the amount of people paying with debit/cash. Yes I could have easily done that too, but I don't because I use my credit card responsibly.
Yes CCs have high APRs and will nail you if you carry an outstanding balance, BUT IF YOU PAY OFF EVERYTHING YOU OWE EACH MONTH YOU DONT INCUR ANY OF THOSE INTEREST FEES!!! Or any fees at all with the right card.
Sure I guess that some people simply don't have the self restraint to be able to carry a credit card around without spending more than they have, but this thread makes me think that number is way larger than it should be.
It seems that people have it ingrained in their heads to automatically think huge inescapable debt when using credit. Possible, yes, but only if you don't know how to manage your own money or if your 9 year old does some online shopping lol. Read a personal finance book, learn how to live within you means (by choice, not forcing yourself by only using a debit card/cash) and even if your credit limit is above that it doesn't matter because as long as you're in touch with you checking balance you already know how much you're able to spend. Bottom line is you don't need a degree in accounting and finance to mangage a credit card responsibly and get free cash and rewards back. Just paid for the majority of my trip to Hawaii in reward points after saving them up for a few years.
This thread surprised me somewhat with the amount of people paying with debit/cash. Yes I could have easily done that too, but I don't because I use my credit card responsibly.
Yes CCs have high APRs and will nail you if you carry an outstanding balance, BUT IF YOU PAY OFF EVERYTHING YOU OWE EACH MONTH YOU DONT INCUR ANY OF THOSE INTEREST FEES!!! Or any fees at all with the right card.
Sure I guess that some people simply don't have the self restraint to be able to carry a credit card around without spending more than they have, but this thread makes me think that number is way larger than it should be.
It seems that people have it ingrained in their heads to automatically think huge inescapable debt when using credit. Possible, yes, but only if you don't know how to manage your own money or if your 9 year old does some online shopping lol. Read a personal finance book, learn how to live within you means (by choice, not forcing yourself by only using a debit card/cash) and even if your credit limit is above that it doesn't matter because as long as you're in touch with you checking balance you already know how much you're able to spend. Bottom line is you don't need a degree in accounting and finance to mangage a credit card responsibly and get free cash and rewards back. Just paid for the majority of my trip to Hawaii in reward points after saving them up for a few years.
Only if you buy something you cant afford. It's still your money, except it's earning you more than what your checking account will.
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Jeez man either you are rich or you are very patient to save up money to buy a house and car in cash I mean what did you start saving when you were born and bought a small house as your 37th birthday present? If I want something and can afford it I buy it right there and then. I got my first credit card at 17 and currently have 7 though I really only use 3 the others are just there if I need them. I pay off the balance on the high interest cards like American Express every month but if I have a card with 0% or like 2.9% then I will buy something big and pay it off in a few payments. As for my iPad I bought it with a CC for rewards points and paid it off then again how was I supposed to pay for it in cash online? I don't understand people who are afraid of credit, just know how to use it and don't get in over your head. Also do people who don't use credit cards just ignore internet sales? What a sad life.
Unless you can get 0% interest or pay it off in the same month you bought it, the iPad really isn't enough of a necessity that most people should even consider buying it on credit.
Have you never heard of a debit card? I'm not afraid of credit, I just don't need it because I know how to budget and look after what I earn. Even if you get 0% for a period you always end up paying in the end. There is nothing wrong with waiting for things in life. My current account never goes below at least one months salary. What's sad about that?
Cash money baby.
At the Walmart midnight launch.
Living like a king.
(okay fine it was a debit card I don't walk around with 900 dollars in cash
)
At the Walmart midnight launch.
Living like a king.
(okay fine it was a debit card I don't walk around with 900 dollars in cash
)
Stole mine.
And there are many people who pay their credit cards off in full each month; I have since 1985. Not to be a shill for it, but Capital One's credit card with rewards is a great option - putting your ipad on it would get lots 'o' points towards that next toaster over or vacation airfare...
And there are many people who pay their credit cards off in full each month; I have since 1985. Not to be a shill for it, but Capital One's credit card with rewards is a great option - putting your ipad on it would get lots 'o' points towards that next toaster over or vacation airfare...
I have had a BB in store card for years. I use it to buy a new Mac every two to three years. It also will get cancelled if I don't use for more than 3? years after you pay it off. So I used it to keep it working until the new iMac shows up this summer.
One of my all time SNL Skits explains solid money management. Don't buy stuff you cannot afford.
I purchase with card because of convenience, but pay it off every month. Credit card issuers should hate you because you use them for convenience, points, rewards but they never collect a dime of interest/fees from you.
I purchase with card because of convenience, but pay it off every month. Credit card issuers should hate you because you use them for convenience, points, rewards but they never collect a dime of interest/fees from you.
they are still collecting fees from the merchants who accept your credit cards, so don't worry, they are still raking in free money on your behalf.
That isn't raking it compared to their overhead and not being able to collect 10-25% on balances. They typically get 2-3%, but again not from me!
