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Best/Worst of 2007
Old 12-21-2007, 03:55 PM   #1
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Join Date: Apr 2004
Location: South Texas~29N/98W
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Best/Worst of 2007

I have to say that I agree with all of these best/worst items. There must be more of them, but I can not think of any right now.

I guess that this is my favorite but there are several that come in a close second,,,

Best move: You carried cards, not balances.
There are benefits to using credit cards in some situations. If you're buying merchandise that will be delivered at a later date, credit cards give you ample dispute rights if the item isn't what you expected. If you're shopping or traveling, cards can be safer to carry than cash because if they're lost or stolen, your losses are limited.
In places like restaurants, gas stations or hotels, you don't run the risk of having a hold put on your bank account for more than your purchase amount, as you do with a debit card. In some cases, you can earn benefits like discounts, points, miles or cash.
But cards are another way to pay, not something you reach for when you can't afford to buy in the first place. When you carry a balance, any financial benefit -- like miles or points -- is pretty much out the window.
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