Liberal Forum

Debit Card is Checking account Bank or Credit Union big thing there Turn Off "Over-Draft" Protection thats a $35 Dollar fee ..

Credit Cards a different ball-game.

Unlike a Car Paymemt, Mortgage, or Utilities which are a St8 Monthly month month a "Calender" Month.

Credit Cards run billing cycles by day ya "Signed" Up.

Thats why ya get a Statement in mailbox send em a check in full find out ya still got $125 dollars standing out there next month.

They cut that day ya registered the card thats their "Billing Cycle".

The "Fix" put the Card Away a week then call the 1800 Number on the Back check your "Full Balance".

Then write check out in full

 

Dont be a "Rewards Bonus" Slut Either.

Ya $pend more get that $2/3 hundred bucks extra rewards bonus even thinking like next month I got my full points my bills half covered.

Eventually ya gotta a Dozen different Credit Cards now too..

Dont use one or two years they send ya a threating letter

Capitol One aint used our card almost 2 years ya got 60 days use our card or we "cancelling" it that "Dings" Credit Score.

Chase Bank does same thingy too.

So what ya do is after that letter use it a month Pay Off in Full lock it back up in your "Safety Box" at the Bank

I wanna go back the checking accounts Bank / Credit Unions the "Overdraft"

Shut that off now if ya aint got the funds your debit card be "Denied" No Sale.

Most dont tell ya that openining a New Account.

Most Banks in Tv / Newspaper Ads "Pimp" Overdraft "Protection" .

But ya can Shut that Off ya gotta sit down desk at opening & "request" thats in "Fine Print" too when ya Sign the Papers.

Dont thats a "Fee" sorry I aint got the $$$ in my checking "No SALE" in that case ya better off with the "Credit Card" provided ya got the "Discipline" pay off in full next paycheck
 

Consumer Protection Laws kinda where ya live too each State does differently.

I gave ya a basic common sense Idea so check the Law & Regulations where ya live too..

Better yet just be "Smart" learn how 2 live off what ya make & save this wont even be an issue

Im bumping this many years ago when I was still "Married" me my "Ex" had the same problems too..

This is how we got outta it too but allotta Arguments & screaming at eachother too