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Freezing in NH » credit http://www.freezinginnh.com Staying inside, out of the wind Tue, 21 Oct 2008 01:04:10 +0000 http://wordpress.org/?v=2.8.4 en hourly 1 Refund of Some Overseas Fees… http://www.freezinginnh.com/2007/refund-of-some-overseas-fees/ http://www.freezinginnh.com/2007/refund-of-some-overseas-fees/#comments Fri, 07 Dec 2007 15:47:56 +0000 EA http://www.freezinginnh.com/2007/refund-of-some-overseas-fees/ I got a strange piece of mail yesterday, and almost tossed it since I get approx 3 pieces of campaign spam every day (the joys of living in NH…I’m guessing Iowa is the same).  Luckily I opened it, since it’s the form for claiming a piece of the settlement for Visa/Mastercard overcharging on foreign transactions.

Madame X of My Open Wallet has a post with more details.

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Debit Cards and Security http://www.freezinginnh.com/2007/debit-cards-and-security/ http://www.freezinginnh.com/2007/debit-cards-and-security/#comments Mon, 11 Jun 2007 18:57:09 +0000 EA http://www.freezinginnh.com/2007/debit-cards-and-security/ Interesting post here: How’s This for a Savings Account? $8000 Cash in a Shoebox

I have to admit, I have the same irrational fear of debit cards.  But I don’t take out cash every other day, or keep it in a shoebox.  At many places, like the grocery store, you can use your non-debit ATM card with PIN to make purchases.  Works just like a debit card but requires a PIN, so it makes me feel a bit better about using it.  I also use a rewards card (paid in full each month) for most of the purchases that I would otherwise use a debit card for.

There are differing opinions of using a credit card, but I pay it in full every month and enjoy the rewards, so it works for me.  I do end up taking cash out a couple times a month, but I know where the free ATMs are and don’t pay all that much in fees.  I’m sure if I made more small purchases I’d need to use cash more often, but I don’t eat lunch out much, and try to group my grocery purchases into one trip a week, so it’s a large enough purchase that I use my credit card.  Cash is mostly used on trips, either for small impulse purchases or when splitting a check.

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