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#177528 - 03/18/09 04:59 PM Re: Credit card debt [Re: Dotsie]
Ellemm Offline


Registered: 11/04/08
Posts: 601
I don't think only illegals use check-cashing stores by a long shot. Some people don't have cars and can't easily travel to a branch bank. (this is like when we assume that everyone has easy access to a good grocery store. No, they don't.) Some people like the neighborhood convenience, some need the cash without a waiting period, and some like doing all their business in one spot: pay bills, get money order, etc. They tend to serve primarily poorer people, but I know folks who use them.


Edited by Ellemm (03/18/09 06:22 PM)

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#177544 - 03/18/09 07:11 PM Re: Credit card debt [Re: Ellemm]
meredithbead Offline
The Divine Ms M

Registered: 07/07/03
Posts: 4894
Loc: Orange County, California
My personal checking account is used almost exclusively for business. Credit cards are used for business, and everything else. When debit cards arrive in the mail, we cut them up. To me, it's one more thing to keep track of.
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#177550 - 03/18/09 07:31 PM Re: Credit card debt [Re: Ellemm]
orchid Offline


Registered: 01/21/07
Posts: 3675
Loc: British Columbia, Canada
Originally Posted By: Ellemm
I don't think only illegals use check-cashing stores by a long shot. Some people don't have cars and can't easily travel to a branch bank. (this is like when we assume that everyone has easy access to a good grocery store. No, they don't.) Some people like the neighborhood convenience, some need the cash without a waiting period, and some like doing all their business in one spot: pay bills, get money order, etc. They tend to serve primarily poorer people, but I know folks who use them.


You are correct Ellenm, in Canada we call them pay-day stores. They can be found in most cities. Not sure about rural areas. They do tend to be used by primarily poorer people --who are desperate, need money immediately but unable to discpline and plan their spending...or they are financially illiterate. ie. they don't realize how much they are being ripped off by these "stores".

The legal aid lawyers in Canada and U.S. who work with poor, get really pissed off how much of a scam these pay-day stores are. I know so, because I worked for a non-profit, legal aid organization that wanted to introduce legislation to control these operations more rigorously. I know it was debated a few years ago in the legislatures in British Columbia and Ontario...the debates are recorded in the minutes of legislative debate.
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#177554 - 03/18/09 07:50 PM Re: Credit card debt [Re: orchid]
celtic_flame Offline


Registered: 11/24/06
Posts: 2930
Loc: Belfast/Northern Ireland
whats sad and i think one point your making is if its needed to be controled paybee for % of cashing fees i am assuming, then thats the pooerest or more desprite section paying over the odds and of course thir the ones that more licklie to need thir cash.
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#177557 - 03/18/09 08:19 PM Re: Credit card debt [Re: celtic_flame]
Ellemm Offline


Registered: 11/04/08
Posts: 601
Yup, you got it. We ordinary people like to complain about credit card rates, but they are nothing compared to payday loans, which can legally charge astonomical rates. So poorer people have more difficulty getting out of debt because they're in hock to these folks forever.

Some people truly don't manage their money very well, but a lot of folks make so little that one relatively minor emergency -- a car repair, a doctor's bill, a larger utility bill, etc. -- can leave them with no funds AND no way out or they'll bounce checks or lose the job they have and be out in the street. So then the loan spiral starts.

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#177573 - 03/18/09 09:38 PM Re: Credit card debt [Re: Dotsie]
chatty lady Offline
Writer

Registered: 02/24/04
Posts: 20267
Loc: Nevada
I have never written a single Insufficient Funds check, luckily I never put my EX on my bank accounts. I also never tell anyone my pin numbers.
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#177582 - 03/18/09 11:17 PM Re: Credit card debt [Re: chatty lady]
chickadee Offline
Member

Registered: 09/26/04
Posts: 3910
Loc: Alabama
Chatty delete this post. You can be found.I had someone read what I wrote on here and....well just delete that info Chatty.
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#177611 - 03/19/09 08:55 PM Re: Credit card debt [Re: chickadee]
chatty lady Offline
Writer

Registered: 02/24/04
Posts: 20267
Loc: Nevada
Okay Chick, I removed part of the post in question. Thanks for thinking of me, I wasn't thinking outside of BWS, and that can be dangerous I know.
_________________________
Take a peek at my BLOG:

http://charleen-micheles.blogspot.com/


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#177617 - 03/19/09 09:11 PM Re: Credit card debt [Re: chatty lady]
Dotsie Offline
Founder

Registered: 07/09/08
Posts: 23647
Loc: Maryland
Glad you did so chats.
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#177636 - 03/20/09 01:51 AM Re: Credit card debt [Re: Ellemm]
Mama Red Offline


Registered: 08/12/08
Posts: 676
Loc: Wauconda, IL
My son was one of those...which is one of the reasons he is living with us right now. Granted, he made some poor choices (keeping my mouth shut on that issue is a real challenge) and he is one of those unskilled folks scrambling to better himself while making 8-9/hour!

He got a couple of those payday loans because he didn't want to "bother" me. Oh my! Rough lesson to learn!
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