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September 28th, 2006

Non credit card

non credit card

This is a non credit card, just in case anyone wants to print it out and then not carry it with them.

Britain is at the top of the debt league and we must all do what we can to fight back at the credit card companies who blight our lives with their continual envelopes. I put some rubbish in the pre-paid return envelopes and return them, though I do not identify myself as I do not want to be added to a list of people to whom extra misery must be caused. Sometimes I fill in the forms with gobbledygook or languages with a script of my own devising. As with the spammers you should never let them know you exist as they will send you more and more of their junk.

My view is that it is ok to have one credit card for purchases that can be made no other way, and these days there are some of those. Also when overseas it is useful to not have to carry large amounts of the currency especially if bartering with weighty produce is the local custom. But I would never borrow on a credit card as it is a bad way to borrow and also I am not good with PIN numbers.

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This is a single post on the Cartoon Blog by Dave posted on Thursday, September 28th, 2006 at 9:21 am. Click here to read all of the latest posts. Both comments and pings are currently closed.

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6 Responses to “Non credit card”


  1. Simo says:

    But used wisely this fits in quite well with the store card thing you commented on the other day, we use a credit card all of the time for as many of our purchases as we can, but because we get points. We monitor it carefully and pay it off each month, it is therefore more convenient and secure than carrying cash plus we effectively earn interest on our purchases. However I do agree with you that as a form of dealing with debt it is very expensive and I think that it is dangerous to start using them to get long term credit, if you can pay it off each month, you are spending too much money, if you need to pay out occasionally on credit there are much cheaper ways of doing it and often on the larger items interest free options.
    I can’t believe I am writing something so serious on the cartoon blog!

    September 28th, 2006 at 10:16 am
  2. Kirk says:

    I do not have a credit card. The maths is too confusing (and I did A-level maths). I have a debit card which is accepted in almost all places where credit cards are.

    I like to send credit card companies filled in forms too. But another company’s…

    September 28th, 2006 at 11:20 am
  3. Kirk says:

    I made a typo on my website on my previous post. Sorry.
    I have been reading here for a few weeks since being shown your book by a friend! (At greenbelt), and this was the first time I was brave enough to comment. Seems I was right to be scared, no?

    September 28th, 2006 at 11:25 am
  4. Rhys says:

    It was on the Wibsite that I first came across a link to moneysavingexpert.com. Before I visited that site, I had a phobia about credit cards. Now I have two. The first one lets me use it abroad or on foreign currency items at the wholesale exchange rate (not the High Street one), and it charges no fees or commission whatsoever provided I pay it off once a month. That’s unbeatable for me. It’s a rubbish card in every other sense, though, so the second I have is the current favourite for paying for long-term purchases without incurring interest at the end of the month.

    Great, I think. This is beating the credit card companies at their own game, and I’ve saved money into the bargain. But recently, I’ve increasingly become uneasy about playing this game of cat and mouse with the moneylenders (what would Jesus do, eh?). While I’m reading the small print and the advice from others, and making a miniscule dent in the credit card companies’ profits, many thousands if not millions have their debts spiralling out of control. Often, this is through no real fault of their own.

    So, a genuine question: is what I’m doing sound personal finance, or am I just in league with Mammon and as bad as anyone else?

    September 28th, 2006 at 1:35 pm
  5. Emma says:

    I have no credit card and pay for most things with my debit card. I am, however, blighted by £12,000 worth of Student debt… does that count on the debt statistics?

    September 28th, 2006 at 4:32 pm
  6. Tirian says:

    Rhys, I don’t really see how there’s anything wrong with what you’re doing. You’re not making a ‘dent’ in the credit card company profits – they charge retailers a fee for each purchase you make, so they’re not losing out. And the retailers correspondingly factor up their prices to cover these fees.

    So if you pay in cash, you’re basically just subsidising other people’s use of credit cards.

    Are you going to never have a beer because there are people in the world that don’t use alcohol responsibly? All things in moderation .. including credit!

    October 12th, 2006 at 4:38 pm