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<< This thread needs a new title.........
"What happens when you pay cash" >>
Why do you guys keep saying that foolishness? Don't you realize that not everyone has or wants credit cards because some people find paying interest on something that you don't need to foolish. This has nothing to do with spending cash, it has to do with shopping at a crappy store. I pay cash all the time and have never been screwed. It's all about where you shop and what you do when you feel like you have been wronged. I pay cash for everything and unless i'm shopping on the net, I would rather keep it that way. I don't need more bills, and higher ones just for using the damn things. >>
well guess what. having a credit card would damn near save joony's ass right now. for the following reasons:
1. Merchandise Dispute
2. Merchandise Dispute
3. Merchandise Dispute
Among other things, you dont have to use a credit card for EVERYTHING. Cash is still good, dont get me wrong, but there are just some things i like about credit cards better on expensive purchases.
You can dispute the charge with the credit card company. They dont pay OD when that happens, so they'll try to resolve it ASAP.
I also happen to have Amex Product Protection. That means if I bought the ipaq, and lets say someone snatched my bag while i was walking out of the store, Amex would buy me another one. If the product was broken accidentally, they would do the same.
I also have RETURN PROTECTION. That policy MAKES a return happen no matter what. If OD does not want to take the bag of sand back, guess what. Amex will. They will pay out up to $1000, per year, in either restocking fees or for the product itself if the merchant chooses not to honor a return, no ifs and or buts. This also covers sadistic ALL SALES FINAL policies.
Either way, it dosent hurt to use a CC on a large purchase, as long as you have the $ to back it up. Nobody's forcing you to pay 22% interest a month, or a $75 annual fee. There are plenty of good CC's out there that can protect consumers from bad products and service.