[lace-chat] Credit Cards.

[Elizabeth Ligeti]

I have a Debit Card with my bank.  It works exactly like a credit card - but 
runs off a savings account, so it is more like writing a cheque (the sort 
the Bank honours [usually!])( we spell check/cheque differently - the 
English way!)

The best part of having a debit card is that the bank pays me interest, 
instead of me paying them fees etc!
There is no annual fee for the card, I just can't spend more than is in the 
bank account.
.
Here in Oz, credit cards cost anything from $24 to $55 per year just to have 
a card, then there is the interest monthly, and now, the latest thing is 
that shops, businesses etc may pass on the % fee they are charged by the 
card company, onto the customer, so your goods may cost an extra 3%. 
Nowadays you are advised to ask at the checkout if they charge a fee if you 
use your credit card.  Sometimes you can even negotiate a discount for cash. 
(My DH always asks,- and sometimes gets!!!)

from Liz in Melbourne, Oz,
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