paging Burnt, or anyone else who knows about phones

You really need to ask?

 

"You're fit but my gosh don't you know it"?

 

No, they really don't. I'm considering binning mine as I've only
needed the credit bit once, always pay the balance in full and the
purchase insurance covers less items every time I look at it.

Am I missing some wonderful thing about credit cards, or do people just
buy everything they see then pay more for it later, instead of saving
up and buying it for less?

 

Good food, good booze, and *great* espresso.

It was a suggestion for darsy, ffs.

 

Buying stuff that may not show up, or could get broken in transit and
being able to get a refund from Barclaycard. That's my reason for
using one.

 

posting to Usenet since '94 just makes me an early adopter, not a
geek.

Posting to Fidonet since '88 probably doesn't help my non-geek cause,
mind you.

 

I don't keep track of when people started posting here.

You seem to have been here for ages.

 

what's the business case for you actually having a mobile, then?

 

I'll repeat my question to Neal: so what was the business case for you
having a phone?

I know nothing about Kuwait either, I'm afraid.

I know Milan, but not Madrid. I like the Spanish, though.

*choke*

 

Having a quick look shows that their 60 day purchase cover is being
withdrawn from June, but if it's just to get the item to your door then
that looks ok.

 

Peer pressure, I suppose. Like why small businesses have websites.

It's hot and there's no booze, is about all I know.

Thought you'd like that.

 

Well, I always pay my balance in full.

It's just convenient, and saves carrying a lot of cash. And is useful
for telephone/internet purchases. And my card gives me 1% cashback

 

I'm important.

hth

 

small pond.

hth.

 

Verdigris wrote in

<snort>

 

Is everyone bored or is it "answer rhetorical questions day"?

 

Righto, so there's to-the-door delivery insurance and perhaps cashback
(not on the card I've got).

That seems decent enough. For anyone else joining in, I'm after the
benefits over using a debit card. In the past the debit card has been
the card of choice as there's only one bill to pay, no interest and in
some cases no 2% (or whatever) surcharge.

 

MWHID

<makes careful note of moron reference>

 

****-all legal protection in the event of your mail order goods not turning
up.

If you pay by credit card, you are effectively authorising the credit card
company to act as your purchasing agent. In effect, they pay for the goods,
and you pay them.

In the event that your mail order goods should fail to arrive, or are
broken, or the firm goes out of business after you have placed your order,
you are entitled to have the matter resolved by the credit card company. You
*can* sue them for the money lost, but it never comes to that, as they will
just refund you on the spot, and chase up the debt by themselves.

If you have used a debit card, it's more or less "Tough Shit". They already
have your money and it's up to you to sort it out via civil action. In the
event of a firm going bankrupt, the most common tactic is to keep taking
orders until the point where the phone gets cut off, so they have as much
money as possible. At which point you join the absolute bottom of the list
of creditors, whilst HM Customs & Excise, Inland Revenue and then the banks
skim off *everything* that they are owed. Only then do you get a look in,
which may be as little as 5p in the pound, or possibly nothing.

That good enough?