yrral86

Duh... where do you think their money comes from?  Or did you think they do this out of the kindness of their hearts.  It's a .com, not a .org

Re: Credit is all a bunch of bull**** ....
Yes, but paying cash isn't the way to deal with that... you use your credit card like a debit card and set aside the money to pay it every month, and you get cards with great rewards and no annual fees. So, your money gets to sit in your interest bearing account an extra month, the credit card companies make no money directly from you (they will make a little money off of the merchants you spend money with, but that is negligible), and you build credit history by using your cards and paying on time. Oh, and get a credit union account... they are usually _much_ better than bank accounts... I have a checking account with a 5.01% APY that charges no fees (except the obvious like overdrafts, but I've never given them a dime other than to hold onto for me), and refunds up to $20 a month in fees other atms charge me.