VISA's misleading avertising

[Spiffed]

Has anyone else seen the new visa comercials?? the ones that're "when sorry isn't enough?"

either way.. about 2yrs ago VISA ran a series of comercials about using your card in an emergency (one of them was about a huy who gets stuck on an island somewhere and uses his VISA to pay for a helocopter ride home.. but it was only shown in theatres)..

anyhow, my family has a VISA card we all have signing authority on that's only to be used in emergencies. Today i got stuck driving 1/2way around the f**ing city to go to where i needed to go instead of the 2min i'd intended on (it's a long story) and when i was still a good 20min from home the gas gauge was showing EMPTY, so i pulled into the nearest gasstation.. and realizing i'd left all my cash and my debit card at home (my license lives in my organizer in my pocket) i grabed the VISA out of the glovebox.

Well.. i ended up having to call home and wait at the gasstation for 2hrs while my parents came to come pay for the gas in cash form.

VISA refused the $25 purchanse on a card with a $35,000 limit because it hadn't been used regularly for the past 4months

Whats the point in keeping a card for emergencies if you can't use it only for emergencies??

[GoldenSphynx]

well then screw visa and get another card from a differnet company...i reccomend mastercard

[Spiffed]

i will (when i get myown card) go with Mastercard.. VISA's stupid policies cost me my dream parttime job

[patroclus22]

Visa and Mastercard are as close to being the same company as you can get without going through a merger. I'd suggest going with a Discover card or American Express.

[rm']

ING has a snazzy new credit service that I recommend you look into.

[Spiffed]

not true.. i've dealt with both on behalf of the comapny i used to work for... they're at frequin' oposite ends of the spectrum on their policies on what happens when the card is stolen and a merchant processes the card

that and i've used mastercards that haven't seen activity in more then a year for large (6-20 thousand dollar) purchases without problem...

[rm']

RE: ING Credit Account
Information for Canadian credit services

[John M]

i dunno if i want to get a credit card. makes it way too easy to fall into debt.

[Huehuetenango]

that's how i think

i don't have a credit card, i rarely even carry a debit card, i only use the money i have with me physically

it kind of scares me the age of some kids w credit cards
at work a few months ago some kid asked his mom if he could use his visa card to pay
the kid couldn't have been more than 8, and yet he has a credit card of his own
SCARY

[Merlin]

That is just wrong

I only have a debit card for the simple reason that with it I can't spend money I don't have.

[rm']

Sure you can. With the outrages service charges in this country, it's possible to run up a debt with debit card. I don't know about England though.

[eleet-2k2]

I need a debit card.

[kljs]

You can always go back to the old way, take alot of cash with you!

[Spiffed]

i typically carry $800 on me, it's usually not a problem.. but that one particular time i didn't have anything with me (save my license and organizer).. i just didn't have time to grab everything as i left the house

[c2R]

I only use my credit card when out and about (except when I'm in a pub, where they don't accept them).

The reason is very simple. Petrol is expensive, and I use lots of it. I'm hardly going to drive around with a few hundred quid in my pocket to spend on fuel, particularly in London

I also don't have a debit card because mistakes are not very easy to rectify when you're money's already gone...

Like if your debit card is double swiped, or cloned you can kiss goodbye to the money in your bank account. If, on the other hand a similar thing happens to your credit card the credit card company picks up the tab and it tries sort out the problem.