Topic 'and thats why I use Credit Cards!' in forum 'Canadian Chat' - dslreports.com http://www.dslreports.com/forum/and-thats-why-I-use-Credit-Cards-27851964 en Wed, 19 Jun 2013 19:41:57 EDT Wed, 19 Jun 2013 19:41:57 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27854822 http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27854822 Tue, 25 Dec 2012 13:38:04 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27854655 said by Gone:

Canadian Amex cards are like that too, that's why I love my Amex as a consumer. As someone who has a merchant account at a business, that combined with the obscenely high merchant fees is why I refuse to take Amex :p

They are not entirely equal, the only reason why I hung on to my Amex is because of the extremely poor offerings here. ]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27854655 Tue, 25 Dec 2012 12:09:21 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27854065 said by Gone:

obscenely high merchant fees

+1]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27854065 Mon, 24 Dec 2012 23:45:13 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27853936 said by My2Cents :

Gotta love my american AMEX, superb service for $75 a year. Excellent in watching for unauthorized charges, you buy something and its unusual, they call you to make sure. Also super harsh on unscrupulous merchants (eBay etc). You really do get what you pay for.

Canadian Amex cards are like that too, that's why I love my Amex as a consumer. As someone who has a merchant account at a business, that combined with the obscenely high merchant fees is why I refuse to take Amex :p]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27853936 Mon, 24 Dec 2012 22:39:02 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27853631 said by Ian:

How exactly is it broken? When you get the replacement from the CC company, may still not be a bad idea to get an estimate on fixing it. Maybe one of us would buy it. ;-)

And I don't like HP either, but there's a statistical chance that any laptop will break down over that time-frame, no matter who built it.

It was a mobo failure, utterly useless without a full mobo swap.

True on the failure part, although some manufacturers have lower 3 year failure rates than others. Failure at 370 days is just bullshit. Last time I checked, ASUS had the lowest failure rate at 15% ish in 3 years. Although my OLD IBM ThinkPad from 2000 still works fine.

Gotta love my american AMEX, superb service for $75 a year. Excellent in watching for unauthorized charges, you buy something and its unusual, they call you to make sure. Also super harsh on unscrupulous merchants (eBay etc). You really do get what you pay for. ]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27853631 Mon, 24 Dec 2012 19:09:50 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27853347 http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27853347 Mon, 24 Dec 2012 16:20:55 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27853280 said by Gone:

Yeah, I have a Visa card that doesn't extend your warranty. All my Mastercards and my Amex do, but the PCFinancial MC I have specifically excludes computers which is a big bummer in itself.

You can't get everything for free. I put everything on my card, spend $25-40k a year on it and even when paying the fee I still get my money's worth. Look around, there are plenty of good cards out there.]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27853280 Mon, 24 Dec 2012 15:41:42 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852868
that's why you can get no fee visa's, and some gold/plat/club whatever visa that does have a fee. It all depends on what extras the card has.

edit: maybe i'm thinking about interest rate.. it's probably both..
mostly likely Visa charges the Banks a flat rate for anything with their Visa/MC card branding transaction system.. Though I'm pretty sure all the extras (services/extra warranty/cashback) and fee are all the Banks/lender though. ]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852868 Mon, 24 Dec 2012 12:30:16 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852694
On the other hand, back when laptops were still crazy expensive I always used to opt for the extended warranties. The one time one of my old laptops needed service Acer honored their warranty with no muss no fuss.

Nowadays I rarely spend more than $500 on a machine and to me it's simply not worthwhile to get the extended warranties anymore.

As for my credit card, it's a cash back card with no fees. If I weren't such a miser I'd have extended warranty coverage on it but I refuse to pay a fee for the "privilege" of giving Visa my money :p]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852694 Mon, 24 Dec 2012 11:28:05 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852643
As for credit vs. debit cards, if somebody somehow gets your PIN, with debit card they get away with your real money. With a credit card, you're better protected.]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852643 Mon, 24 Dec 2012 10:58:27 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852573 said by My2Cents :

The Second Gen Envy 14, looks nice but the quality ain't so...

Hmm that's unfortunate, the specs are reliable on paper (but I hate the touch pad). ]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852573 Mon, 24 Dec 2012 10:26:13 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852321 said by Ian:

How exactly is it broken? When you get the replacement from the CC company, may still not be a bad idea to get an estimate on fixing it. Maybe one of us would buy it. ;-)

And I don't like HP either, but there's a statistical chance that any laptop will break down over that time-frame, no matter who built it.

you don't get a replacement under extended warranty, it basicaly duplicates the original manufacturers warranty]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852321 Mon, 24 Dec 2012 06:31:41 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852301
And I don't like HP either, but there's a statistical chance that any laptop will break down over that time-frame, no matter who built it.
--
“Any claim that the root of a problem is simple should be treated the same as a claim that the root of a problem is Bigfoot. Simplicity and Bigfoot are found in the real world with about the same frequency.” – David Wong]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852301 Mon, 24 Dec 2012 06:01:09 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852113 http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852113 Mon, 24 Dec 2012 02:49:52 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852079 said by My2Cents :

1. Never buy crap from HP. Unreliable and quits right after warranty ends.

What model did you get? ]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27852079 Mon, 24 Dec 2012 00:11:32 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27851998 http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27851998 Sun, 23 Dec 2012 23:17:32 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27851994 said by My2Cents :

Long story short, bought HP laptop last Christmas, broke down friday. HP wants receipt, didn't have it. Called CC company for record of transaction, turns out it was purchased 370 days ago. HP's response was "Too bad so sad, buy another one at full price". Calls CC company, explained, and asked if there could be any processing delay.

Here's a kicker, CC agent said "You know that you have an extra year of coverage with us right?"

Two lessons learned from this fiasco.
1. Never buy crap from HP. Unreliable and quits right after warranty ends.
2. Put it on a CC, extra year of coverage, where extended protection plans from BB and FS are plain old ripoffs.

But check with your credit card company - not all do what yours did.
--
A democracy cannot exist as a permanent form of government. It can only exist until the voters discover that they can vote themselves money from the public treasury.

Merry Christmas »goo.gl/Y2AEF]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27851994 Sun, 23 Dec 2012 23:15:40 EDT Re: and thats why I use Credit Cards! http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27851989
I've started purchasing anything important with my Amex for that exact reason. Double warranty.]]> http://www.dslreports.com/forum/Re-and-thats-why-I-use-Credit-Cards-27851989 Sun, 23 Dec 2012 23:12:05 EDT and thats why I use Credit Cards! http://www.dslreports.com/forum/and-thats-why-I-use-Credit-Cards-27851964
Here's a kicker, CC agent said "You know that you have an extra year of coverage with us right?"

Two lessons learned from this fiasco.
1. Never buy crap from HP. Unreliable and quits right after warranty ends.
2. Put it on a CC, extra year of coverage, where extended protection plans from BB and FS are plain old ripoffs. ]]> http://www.dslreports.com/forum/and-thats-why-I-use-Credit-Cards-27851964 Sun, 23 Dec 2012 22:56:38 EDT