How Sad
This brought tears to my eyes https://www.msn.com/en-ca/news/canada/woman-upset-by-humiliation-and-shame-at-dartmouth-campground/ar-AAFemnT?li=AAggFp5
Forum Discussion
Off topic, but ... I see absolutely no use for debit cards ... except maybe for maintaining convenience if one's credit is so bad that they can't qualify for a credit card.
If you don't like having high interest credit "on the books for very long" ... then just pay off your credit card('s) balance(s) every month. Even if you're a pay-it-off-every-month kind of person, a credit card's high limit at the very least can function as an instance source of funds to use for unforseen financial emergencies, like:
1. Emergency repairs on one's stick house.
2. Emergency repairs of one's RV when on a trip.
3. Emergency medi-vac transportation and/or medical treatment a long way from home until you can work it out sometime later with your insurance company to pay for it.
i.e. Our motorhome's transmission once blew as were going to meet traveling friends to begin a major RV trip together. We needed a remanufactured transmission installed ASAP at a cost of over $5500 dollars. No way do we keep that much cash around or that much in our checking account. They had the transmission ordered and installed the next day ... so I just pulled out the credit card to no-hassle cover it, and off we went on the trip with our friends.
Those same traveling friends as above also had to replace their RV's transmission while they were with us on a trip a long way from home. They merely pulled out their credit card to cover it and we both continued our our trip in the two RVs.
IMHO even at their high interest rates - large balances on credit cards due to the servicing of emergencies accrue so little interest until a quick payoff later - that it makes it well worth it to have access to a credit card to use in otherwise stressful financial situations.
FWIW, we even use a credit card heavily each month for regular living expenses so as to build up hundreds of dollars in cash rewards of 5% on gas, 3% on groceries, and 1% on all other purchases.
If you don't like having high interest credit "on the books for very long" ... then just pay off your credit card('s) balance(s) every month. Even if you're a pay-it-off-every-month kind of person, a credit card's high limit at the very least can function as an instance source of funds to use for unforseen financial emergencies, like:
1. Emergency repairs on one's stick house.
2. Emergency repairs of one's RV when on a trip.
3. Emergency medi-vac transportation and/or medical treatment a long way from home until you can work it out sometime later with your insurance company to pay for it.
i.e. Our motorhome's transmission once blew as were going to meet traveling friends to begin a major RV trip together. We needed a remanufactured transmission installed ASAP at a cost of over $5500 dollars. No way do we keep that much cash around or that much in our checking account. They had the transmission ordered and installed the next day ... so I just pulled out the credit card to no-hassle cover it, and off we went on the trip with our friends.
Those same traveling friends as above also had to replace their RV's transmission while they were with us on a trip a long way from home. They merely pulled out their credit card to cover it and we both continued our our trip in the two RVs.
IMHO even at their high interest rates - large balances on credit cards due to the servicing of emergencies accrue so little interest until a quick payoff later - that it makes it well worth it to have access to a credit card to use in otherwise stressful financial situations.
FWIW, we even use a credit card heavily each month for regular living expenses so as to build up hundreds of dollars in cash rewards of 5% on gas, 3% on groceries, and 1% on all other purchases.
