Whatcha mean ya spent the money already? and you suck cause your closed already.

[Kristev]

Agreed. I prefer cash. It's so easy to overspend with a debit card, and most places don't want checks anymore.

[Seshat]

Anybody ever heard of cash for purchases under $500? No, didn't think so

Except for emergencies, we tend to use cash, direct transfer or a particular type of bank cheques.

This particular cheque you have to do at a teller. They withdraw the money from your account and hold it in escrow, and theoretically, the only people who can cash the cheque (and thus take it from the escrow) are the named parties.

It's safer than using cash, so we use it for larger purchases. It's not perfect; but hey, it's not credit! We actually have to have the money BEFORE we buy the item.

[ravevolution]

.. . . Meanwhile, it's Thursday, now. Did she come back to pay?

Good question, I won't know until tomorrow (Friday) since I've been off past 2 days. I'll have to check with my CW or check the computer at work of 'pending' work-orders and see if it was paid already or still there.

[sylvier]

Shiny new credit card - yay free money! No wonder we're such a financial hole. Anybody ever heard of cash for purchases under $500? No, didn't think so

[Captain Trips]

Sounds like she's getting credit advice from the same people that my daughter did many years ago - friends that don't know any better themselves.

My daughter's case was that she had maxed out her cards, and believed her friends when they told her that, if she ignores the bills for seven years, they will go away - that the credit card companies purge their systems after seven years. We tried to tell her otherwise, but at 21 she still knew everything.

Over the next few years, when she found she couldn't get any more cards due to poor credit, she got wise and made the payment arrangements. And found out that parents sometimes DO know what they're talking about. (She still can't get a car without a cosigner.)

[Andara Bledin]

Yeah, not hard to see why the first try was denied. She probably wasn't planning to actually pay for the TV either.

Yeah, she's probably never had one before.

Honestly, this sort of base assumption is awful. Sure, it's possible that she's going to pull a runner, but more often than not, the reason people get denied credit is because they don't already have credit. Hell, I had to get a secured card with an annual fee from my bank to get one at all. >_<

Meanwhile, it's Thursday, now. Did she come back to pay?

^-.-^

[bainsidhe]

Wow that first story is scary...and sad. I've known a few people that thought payday meant they could spend money on everything in sight, yet still be surprised when the phone/electric/gas bills came due the same time every month.

[Jetfire]

My thoughts exactly. Reminds me of the "This is why we're in a recession" NotAlwaysRight stories.

Remind you of it? It's a poster child example of it. I hope the OP submits it for the nth instance of that case.

[HermitIX]

Frugal: economical in use or expenditure; prudently saving or sparing; not wasteful:

I think you mean

Frivolous: self-indulgently carefree; unconcerned about or lacking any serious purpose.

I do similar things with words all the time.

[ravevolution]

From what I was aware of she actually did return the television, think she realized what a stupid irresponsible mistake she had made, not to mention inconvenience

I think she's waiting for the account to clear up of the charge so she could come back and pay with the card like it should have been intended, though I wonder why she didn't buy 4 tires like she needed. Oh well lol

[taxguykarl]

my husband gets credit for his student loans....

Ah yes, those too. Almost forgot--those SC's sapped my brain.

[MoonCat]

Yeah, not hard to see why the first try was denied. She probably wasn't planning to actually pay for the TV either.

[ArcticChicken]

Well, how do you think she got to the point of having no money?

My thoughts exactly. Reminds me of the "This is why we're in a recession" NotAlwaysRight stories.

[Jester]

My CW was ticked that someone who knowingly knows they have no money would spend the money she has on the credit card soo quickly for something frugal instead of on something of necessity.

Well, how do you think she got to the point of having no money?

[mattm04]

I have known people who are good with money. I have known people who are a little too laid back with money. And I have also known people who just aren't good with money and have trouble keeping track of it etc.

I'm not sure if I've ever met anyone who thought that a credit card was FREE money though @.@

I have a CW who still thinks credit cards = free money. They applied for ever card offer they got, maxed it out and maybe payed the min. amt due once. They still swear it is BS and are getting scammed, while living in the parents basement and getting rides because their credit is so F*cked up they cant get a apartment or car loan, even from one of the "bad credit no problem" places.