Ok so I made it to NY! I like New York. Especially this time b/c I don't have a ton of things I have to do and I'll be able to hangout with my friends more! So I came to check in and the lady says "sorry your card was declined." It's so embarrasing when that happens (especially when the girl is cute) and I don't carry any balance on my card so I always know that it's Queensberry. Every time they charge an album it locks up my card because they are in New Zealand and I don't like to use other cards b/c I want the miles but I might have to because this is just annoying and they don't even notify me when it's locked up so the way I have to find out is to have a purchase declined and then I call them and they unlock it. Lame. Gary keeps telling me to go American Express.
Ok well...all is good now.
DJ
11 comments:
DJ- You need to roll with the bankroll, brother! Cold, hard cash!
Seriously, though... you ought to check out Dave Ramsey's podcast- teaches you how to live life without using credit.
(Imagine the impression you'd leave on that cutie at the counter, "Oh, no problem... can you break a $1000?")
lol - BRILLIANT!
I think Ramsey's idea is good for people who get into debt with credit cards which is a bad bad bad idea but like I said I don't carry any balance and the fact of the matter is that living without credit is actually not a good idea because I could only imagine what they would say if I went in to buy a house having never had any credit accounts.
It's just important to define good debt and bad debt because there is a big difference and the people that can handle the pressure and responsibility that comes with good debt have much greater potential.
:) I'm a big fan of Dave Ramsey too.
...also, I didn't ever say "good credit or bad credit." ... I said good "debt" ....I also said that it's a good concept for most people but if you want the freedom to leverage large amounts of money you're gonna have to show banks and investors that you can handle having a credit card.
Neither way is right or wrong but I think one way gives more options and with options come responsibility and the possiblity of making bigger mistakes.
:)
Fong's right! Amex has cards with miles. And if you apply for it through your bank (rather than online) you'll probably get a much better deal! Our bank offered us more miles AND a point off the interest rate for auto payments from our checking account.
Enna
oh wow...same thing keeps happening to me I thought I was the only one!
I was so embaressed to be declined at the LAX mcdonalds lol...and yea the girl in line next to me was cute :-(
something to think about....
Studies have shown that when two different people walk into a store to buy the same kind of consumer electronics item, the one paying with a cc will spend 30-40% more (ie a better or nicer one) than the one paying with cash.
DJ- Like Gary I'm an AMEX fan...unlike Gary, my card is the rank-and-file turquois version (maybe one day I'll have the Amex black card). Enjoy the W (cool vibe there, and nice robes)
Gary's right, bro- you should go Amex like the rest of us! VISA/MC ARE SO LAME!!!!!!!!!!!
Looking forward to finally meeting you in person at the Expo!
i am in the towncar on the way to the hotel. DJ does your mileage plus card give you double miles0/ the reason the mp card was a bummer was because it had a cap.
that was me... gary. i put my name down... weird. i never carry a balance and amex wont let you. CCs are fantastic if you are responsible. Dave Ramseys advice is good for the baby steps... but after that his investing tips I would actually strongly advise against. strongly
DJ
Not all visa cards do that - just find a better one that doesn't. We had another client that his card was charging him a 5% foreign orders surcharge and he thought that was standard. I saved him hundreds a year by telling him to change visas.
Seriously, there have to be other ones that give you air points and don't lock up your card. Mine doesn't do that.
Darlene
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