I have been a member in the past and today I wanted to renew my membership. I realised there's is no option to pay using debit card. I do not have a credit card anymore. I don't have credit card since 2009 and the reason is a lost my job due to financial downturn. I was laid off. Lost my house, car got repossessed, sent the kids to public school in my country and lost all my good credit history and the right to posses a credit card. I do not want to know anything about credit. That's why I only use debit card these days. I use my own money. I wanted to pay my ??? fees using my debit card. Another issue I found is that my debit card expires in 2021 and that option is not available in the menu options. I do really like ???. Please do help.
I was trying to renew my membership in a job search website. I wanted to pay using my debit card. It was not possible. That's why I wrote the letter. They gave me a year free of charge. I was not asking for that.
I did not want to mention the website name in PPRuNe since you guys may think I was advertising.
Well....Thanks for the good wishes. I do have a job right now. It is just that I do not own a credit card. And I don't want to have one. But it seems without one you are no one.
Absolutely - I never use credit, don't need it cos I got zillions in the bank.
My Building Society (Savings&Loan) insisted on me applying for a credit card...and refused me. No credit record. They seem to have lost me as a customer.
A Visa debit card will do everything a credit card does, and costs nothing.
A friend of mine had a small business which failed, owing lots of money to his creditors. He applied for, and was granted, bankruptcy.
A few weeks later, he had a letter from his bank inviting him, as a 'top tier' customer with a good credit record, to sign and submit the pre-completed application form for an Amex Gold Card.
He did, and duly got the card.
In some ways we might be better off without these bits of plastic, the problem is that there are some things, like hiring a car, that you can't do without a credit card. And if you don't have a credit or debit card, you can't purchase travel on the internet, book hotels, order anything, etc.
A true "snippet of useless information" (therefore in the wrong thread!).
When I went to live in Canada a long time ago, I opened a bank account and asked for a credit card. I was refused as I had "no credit rating in this country".
I asked how one achieved a credit rating and the bank said that I had to borrow some money and be proved trustworthy by paying it back in a timely manner.
So I got a loan for $10000 which was interest free for the first 3 months. I paid back the loan in 3 equal monthly payments and then asked for a credit card.
A Visa debit card will do everything a credit card does, and costs nothing.
As already stated by Tableview it won't do a lot of things, including car hire.
The clutch on my son's car went as he drove off the ferry at Dover. After getting the car towed to a garage for repairs he tried to hire a car. He had a point-blank refusal from a major hire company as he couldnt pay by credit card (he's never had one, only a debit card). The company wouldn't even take a phone payment on mine as they dont accept "customer not present" payments. Result, a very expensive "same day" rail ticket from Dover to Truro, and a lot of inconvenience.
No credit card or cheque book for me. Not interested in spending money that doesn't belong to me for small purchases. Larger ones require careful thought before embarking on something as risky as using other peoples' money.
TTN - interesting point about car hire. Possibly because the credit card is being used as a guarantee of payment for unspecified future contingencies, rather than a cash-on-the-nail transaction.
Some hotels won't accept a debit card for preauthorisation of a bill, in case you use hotel facilities above the amount, or if they do accept a debit card, they will pre-authorise a large contingency sum in case you raid the mini-bar, rape the chambermaid, and so on.
Some hotels won't accept a debit card for preauthorisation of a bill, in case you use hotel facilities above the amount, or if they do accept a debit card, they will pre-authorise a large contingency sum in case you raid the mini-bar, rape the chambermaid, and so on
And some, e.g. the Ramada at OPKC take weeks to reverse the pre-authorisation (after you have paid your bill by the same CC). It happened to me twice in the same month, so my CC was billed for an actual 2 x 3 nights, plus blocked by their pre-authorisation for another 2 x 3 nights. Took more than four weeks to get them to unblock the pre-authorisation.
Nah not at all - you ARE someone. Refusing to let banks sucker you like they do to the rest of the middle class doesn't make you a nobody. Indeed I'd cut up my own card if I could. I have gotten rid of two accounts leaving me with only one which I need.
There're times a CC is very useful to have esp if cash is not on hand or during a sudden emergency. My outstanding balance on the plastic is always paid up fully by Standing Order one working day before the charge date..so that I pay bugger-all in interest. I can't dodge the annual fees unfortunately and I don't use the card often to garner enough points to have these fees offset, but I'm working on it!
Location: Dublin, Ireland. (No, I just live here.)
Posts: 654
I also don't see the need to be scared of a credit card. It's a "line of credit", a way of increasing your liquidity when needed. For most of the 20-or-so years I've had one, I've either not used it, or paid it off every month, thus incurring no interest. Only rarely have I needed to carry a balance over, and one of those was buying a friend a last-minute plane ticket back to South Africa from London, after his airline went bust while he was travelling in Europe.
