How many of you have credit card?

Discussion in 'Payment Processing' started by anil595, Feb 6, 2008.

?

Do you have credit card?

  1. Yes, I have Credit card

    24 vote(s)
    70.6%
  2. NO,I Don't have credit card

    10 vote(s)
    29.4%
  1. #1
    I don't have credit card yet,I am applying now.Now a days credit cards are getting very popular and necessary.It is not only useful for internet to buy products,it is also useful for paying bills,and for booking rooms,tickets etc., fastly and easily using mobiles and other devices.I want to know what are the advantages and disadvantages using credit cards?
     
    anil595, Feb 6, 2008 IP
  2. eddy2099

    eddy2099 Peon

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    #2
    With the advent of the internet, a credit card is a must if you want to purchase things online. I do shop around in stores either locally or overseas and most times it is inconvenient to carry loads of money around. Besides some credit card companies would offer you reward points which you can use to redeem things, some offer cash back/discounts, most would offer some kind of purchase protection like giving you purchase insurance or the ability to chargeback if the seller did not fulfil their side of the contract.

    The biggest disadvantage is that it is so easy to overspend and if you do, you would inevitably end up with paying heavy interests and may put you into debt. So you need to have a lot of self control.
     
    eddy2099, Feb 6, 2008 IP
  3. NsaneNoob

    NsaneNoob Peon

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    #3
    Nada for me.
     
    NsaneNoob, Feb 6, 2008 IP
  4. Brandon Sheley

    Brandon Sheley Illustrious Member

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    #4
    I have a few and I've never paid interest or a late fee
     
    Brandon Sheley, Feb 6, 2008 IP
  5. immortality

    immortality Peon

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    #5
    I have one... its under my fathers card though. Im too lazy to apply for my own.
     
    immortality, Feb 6, 2008 IP
  6. deluxdon

    deluxdon Catch Me If You Can...!!!™ Staff

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    #6
    It is must now a days but you have to keep yourself safe from online fraud activities. I have one with me but i use it carefully always :rolleyes:

    DON.
     
    deluxdon, Feb 6, 2008 IP
  7. eddy2099

    eddy2099 Peon

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    #7
    It is also a must now if you want to use Paypal.
     
    eddy2099, Feb 6, 2008 IP
  8. anil595

    anil595 Active Member

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    #8
    Then there are more advantages than disadvantages in credit card.The main disadvantage is only by overspend.Nice post.
     
    anil595, Feb 6, 2008 IP
  9. anil595

    anil595 Active Member

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    #9
    Yes,My paypal is also unverified,I want to get verified by taking cc soon.
     
    anil595, Feb 6, 2008 IP
  10. gjulian

    gjulian Guest

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    #10
    Prefer a debit card. Can't overspend with my debit card!
     
    gjulian, Feb 6, 2008 IP
  11. anil595

    anil595 Active Member

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    #11
    Yes,safety is best,I think buying through paypal account is best to avoid fraud activities.
     
    anil595, Feb 6, 2008 IP
  12. anil595

    anil595 Active Member

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    #12
    Yes,i have debit debit card it is only for electronic use only for Atm.I tried to verify my paypal account through debit card,but not allowed paypal.So i am going to try cc now.
     
    anil595, Feb 6, 2008 IP
  13. micksss

    micksss Notable Member

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    #13
    It's a must have but be careful you don't get yourself into debt with one. Be responsible with your spending :)
     
    micksss, Feb 6, 2008 IP
  14. hav0c

    hav0c Notable Member

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    #14
    I have two. One is an ordinary credit card and the other and has a higher CL and gets me 1-3% cashback on everything I buy so lately it's been my most used card.
     
    hav0c, Feb 6, 2008 IP
  15. yooozy

    yooozy Well-Known Member

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    #15
    I don't have one I have a debit card not knowing what to do with it LOL
    I agree with you guys it's a must for internet business but having it in my country is meaningless
     
    yooozy, Feb 6, 2008 IP
  16. immortality

    immortality Peon

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    #16
    Ive got a debit card but it has a $500/day limit, not enough for me usually. I only use it for food, gas, etc.
     
    immortality, Feb 6, 2008 IP
  17. hhyosong22

    hhyosong22 Peon

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    #17
    Nowadays people don't use cash anymore. You get paid to your account, you shop with it, pay bills ... you practically do everything with your credit card and yes, I have a few too.
     
    hhyosong22, Feb 7, 2008 IP
  18. Pervert-For-Life

    Pervert-For-Life Banned

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    #18
    i got 2... one SBI CC and other one is HDFC... and thinking to get a 3rd one from ICICI.... but i prefer SBI card for my paypal... and SBI cards are easy for filing chargeback also...:D
     
    Pervert-For-Life, Feb 7, 2008 IP
  19. edwardsim

    edwardsim Guest

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    #19
    actually debit cards and credit cards mainly serve the same purpose ..
     
    edwardsim, Feb 7, 2008 IP
  20. Static

    Static Active Member

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    #20
    Nope. Debit cards rock though. :)
     
    Static, Feb 7, 2008 IP