Fucking websites no credit card

Sometimes you try to spend more than is in your account and depending on what kind of checking account you have, this could go in a few different ways.

1) Your card gets declined and you’re forced to pay in more, ahem, creative ways.

Back in my day, when debit cards were first getting started, they were basically like checks, and only linked to your specific bank, which meant that if you shopped anywhere that didn’t know your bank, the store wouldn’t take it and you were basically fucked.

Instead of clicking 'sign up' from the top bar, go into the i Tunes store (not signed into any i Tunes account) and find a free app.

If you click on this app to 'buy' it, you'll be taken to the login/sign up box again.

Credit cards are a good little buffer that can get you out of some tight jams. That means Personal Identity Number and I really shouldn’t have to explain beyond that. Some asshole snagged your new card out of your mailbox and went to town with it, or maybe your numbers were stolen a la last year’s Target debacle.

Also, credit cards come with great rewards programs, which I talked about in my previous post. So, ideally, no one knows your PIN or can sign your name like you do. Statistically, unless you know the fucker, the chances are pretty good that the guy who stole your debit card won’t know your PIN, and he’ll have to run the card as credit. If you report these, the credit card might be able to cancel the charges or at least take them off your account.

But, even though it’s not attached to your bank account now, you still need to pay that. If you do not have $500 on you, you can set up a payment plan, only this guy’s real tough and he wants back his $500, plus 18% on whatever you don’t pay him right away.

At the end of the month, the shark’s gonna want back whatever of his money you spent. This rate—your credit rate—will vary based on your history, your income, the company, and your general overall level of shadiness.

That little Mastercard or Visa logo is probably why people don’t know the difference between credit and debit.

Think of it this way, debit cards are like checks in digital form. This could be a lot or this could be absolutely fucking nothing if you’re poor as dirt (like me).

If you see charges on your card that aren’t yours, you can get copies of that signature and hopefully prove that it wasn’t your signature. This is when it’s important to be on the credit company’s good side and have a good plan.

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