(example) if you went into a department store and purchased an item with cash, would you be OK with them giving you a store credit back instead of your money back? The store credit could be used on a future purchase. You would not be able to turn in your store credit for cash. You could also use your store credit in their catalogue if you desired. If you wanted cash back when you were making your purchase, you would have to inform the clerk ahead of time, otherwise you would automatically get the store credit. Once you receive the store credit for whatever reason, you can never exchange it in for cash. Thanks for your answer!
218553
No that irratates me. If I pay cash, and i was not happy with the item, I would expect cash back. What if the store doesnt have anything else I like, then they basically get to keep the crappy item and my money. Cash back or i dont shop in the first place.
425259
I have been very happy with my Discover Card, but I recommend that you also get a second credit card for the rare cases where Discover Card is not accepted.\n\nI highly recommend that if you get a credit card that you pay the full amount when due, so that APR is not a issue. If you can not pay in full, stop using your card, until you can. \n\nI  pay the full amount when due, well almost always <grin>,  there was one Christmas when I when overboard, plus a lot of travel. \n\nAlso make sure it not just an introductory APR.\n\nSome of the features I like (some of these are now dated).\n\nI forgot a payment was due and the day it was due, I call them to explain, they told me that I could go to a local Sears store and pay it there. I think I did this a couple time, not sure if this is still an option.\n\nI like their online site.\n\nI like the occassional 5% back on selected products.
289704
Yes, it's wrong. I can't imagine they would give you store credit without a receipt.
359629
You scofflaw!\nOK the WORST thing is that you get charged with a crime. Theft by fraud (bad check) is a crime. \nReality: don't worry about it. \nAmount was too small and time was long ago, statute of limitations may have already run.\nIf the store turned over your debt to collections, it probably would have shown up by now On your credit report.\n\nHowever, you did steal from that store. Find out if they are still in buisness (God forbid your theft drove them under) and send them a note and the $. Get it off your guilty mind.\n\nAlthough I would not send another check.
366292
No it's illegal!  I worked @ a doctor's office and we used to copy the cash payments as sort of a receipt.  We had a patient who was a police officer and he said that it was illegal.  It's not something that you call and tell the police about though.  I mean lots of places of business do it.  If someone wanted to be picky they could call, but that would be pretty mean, unless you hate them- go ahead.
137920
Sometimes I give people things that I can, in turn, use myself. For instance, if I give a friend a fantastically cute shirt I usually give it to them on a condition: that I can borrow it. However, I don't usually let anyone borrow my things. I want credit for my cute and unique clothing, I don't want someone else to get the credit.\n\nThis isn't answering your question, only furthering my belief that there is something wrong with me...
661204
Don't panic!  First, they're not going to come after the store.  Credit card companies can't really come and take things...that's why they call it unsecured credit.  Furthermore, they would have to go to court to get any kind of judgment against you, and even if they did, all they could do would be to go after your bank accounts (in your own name) or paycheck, but even that is extremely unlikely.  So, really, this isn't worth worrying about right now.\n\nSecondly, let's undo some misconceptions.  The minimum payment (not finance charge) that doubled is not because of any 'bad credit' statement.  It is standard.  Suddenly, lots of us are seeing the minimum payments increased, and it is something that results from a change in the law, not any decision that the credit card companies are taking.  The requirements have been made because many people have payments so low that they may never get out of debt.  The problem with such a law is that it has had the effect of suddenly whipsawing people into deep trouble that shouldn't have gotten there.  But we can't change that here.  Let's talk about how to deal with the new reality.\n\nYou can simply stop paying, but that may not be your best option.  It will affect your credit for real, and limit your options in the future.  You may also consider refinancing somehow, but this may only get you in deeper.  I think the best thing I could recommend is to get in touch with a credit counseling agency such as CCCS.  They may be able to get your monthly payments reduced back down to the level you were paying before.  It won't happen without some problems (such as cutting up your credit cards), but it should help you get out of debt entirely within about 5 years.\n\nBest of luck to you.
16032
Yeah, get rid of that card and get one that gives you cash back.  That's better than anything you can redeem with credit card "points."
617986
We're now working on the principle of "credits" or "points". You trade me so many points, I keep your lights on. Pretty soon we won't use cash and won't need credit cards... our financial history and information will be linked to our thumbprints (of course, we must fight against this!!) so you'll just give you thumbprint and walk out of the grocery store or pay your electric or whatever. \n\nTechnically, there are not enough bills or coins in the US to cover all the monies we use daily.
399211
If you can live without a credit card I would do so. You would end up paying extremely high interest rates and your terms of agreement would be ridiculous. It is always better to live debt free. It's easy to say "I will only use it in emergencies" but then those always seem to start popping up. I know, been  there done that. Didn't have to file for bankruptcy. But it still wasn't fun. Cash is king. Or I use my plastic card hooked into my bank account. It's either used as debit or a credit card and that way I don't abuse the card.
61024
That is true that when you buy a house they will check on your credit history, and it is true that there are other ways to buid credit, and it is true that you shouldn't pay interest if you don't need to.\nSo, it is your choice, in fact, you could finance your car, if you find another good use on the cash you have for it, like if you are thinking of some business and maybe will need the cash to finance it. Or if the momento of buy your house is close, you can use the cash for the initial pay, so you will need less money for the loan.\nBut if you wont use the cash, and that money would be just in a saving account, you should use it for the car, and get some other credits like in credit cards.\nSo, it depends on your needs, and your projects in general.
389338
many shops nowadays don't accept them because many people can get an item purchased without real proof that they have the funds in their banks with the use of a cheque. Not only will it cost the shop money on a non sufficient cheque but it will cost the customer as well. Also cheques can be stolen therefore a signature can be forged, and the store not being able to get their money on an item purchased ever. I have worked in retail before and that is one of the many reasons why they no longer accept cheques!
374737
Experts say it's better to use a credit over a debit card because if your credit card were to get stolen you would report it missing and you wouldn't be charged for what ever the other person used for it. But if someone got your pin number you wouldn't able to prove that you didn't make those charges.
331006
That's bogus.  I suspect that salesman is not properly informed of the options that are available.  If that is the only way to buy things there, I personally would not shop at that store unless the total price plus the interest is somehow still lower than the price you could get at another store.
465543
What Bank of America does is it instantly gives you a CREDIT when you deposit money in an ATM, but the credit is temporary and may not be for the full amount of your deposit (usually it's just a couple hundred dollars at most).  That credit will be instantly available, but may be retracted and the actual deposit is not likely to occur for a day or two.\n\nIn addition, Bank of America does reserve the right to delay a deposit but up to 11 business days.  Some of the reasons they may do this include:  (directly from their website)\n\n- You deposit checks totaling more than $5,000 in one day. \n- You re-deposit a check that has been returned unpaid. \n- We believe a check you deposit won't be paid. \n- You've overdrawn your account repeatedly in the last six months. \n- There is an emergency such as an equipment failure. \n\nSeeing a living, breathing teller, on the other hand, usually does instantly deposit the actual amount of your deposit into your account right away, though sometimes it doesn't get posted until the next business day.  You can always ask the teller when you are doing the transaction.  And as above, they reserve the right to reverse the transaction for a variety of reasons or delay it as well if they feel they have a reason to.
320893
I am going to assume that you are currently paying vendors cash on delivery. \n\nMy experience has been that you simply receive credit from vendors who want your business. They may ask for a personal guarantee. Once you establish yourself with them they become your references for larger amounts of credit. Also, you need to learn about establishing and maintaining good banking relationships. Vendors may ask you to pay cash on delivery before they will extend you credit. Most vendors will extend 30 days net. \n\nIf you are extending credit to your customers you may be able to do recievable financing.
310112
Using your credit card, go to a bank or credit union and make a cash transaction. They will give you the cash you need and have it charged to your credit card. \n\nSome stores will do that as well, but you have to have a check cashing card with the store and an established good reputation with them. \n\nAlso, most stores allow you to charge $20 or so more than what you are charging on your card. Ask the cashier how much you can get beyond the items you are charging. This is particularly helpful if you do not need a lot of cash but just a few dollars to carry you over.\n\nGood luck!!