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

[MoonCat]

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

[taxguykarl]

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

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

[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

[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.

[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.

[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.

[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?

^-.-^

[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.)

[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

[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.

[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.

[Kristev]

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

[morgana]

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

I have. Sad and scary, that. I think I knew you had to pay back credit cards when I was . . . what, seven?

[Kogarashi]

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.

That's pretty neat.

We treat our credit card like our debit card. If the money's not in the account already, we don't spend it off the credit card. Hubby likes to keep his checkbook simple by having as few entries in it as possible, so most everything goes on the credit card (which nets us reward points too), and then it gets paid off in a lump sum from the bank account at the end of each month. Then all he has to do is make sure each receipt we bring home over the course of the month matches up with the credit card statement online, and that no odd items show up on it, and we're good.

[emax4]

My first credit card was through Sears in the mid 90's when they would sit outside of the entrance in the mall and try to get people to apply. I held on to my card when I got approved but was always afraid of going in debt so I never spent anything... ...until I saw they had Apple Computers.

I paid and paid, but was only paying the minimum month after month for years. At one point I was able to get a second credit to pay for tires, and I paid that off pretty quickly but my first one was still pretty high. After years I just said, "I'm not paying anymore", and in a few months I got a letter from a collection bureau. Because I was still living at ohme and knew how to live well within my means from being on my own beforehand, I managed to pay it off within months. Now I vow to never use a credit card again, but part of me feels the need to for big emergencies. My trick was learning to make the most out of little things and appreciating what I have, so I'm happy with my older computer and can still play a lot of games on it, rather than needing the latest whizbang setup .