XPost: nf.general 
 From: tsanford@nf.sympatico.ca 
  
 "Carter"  wrote in par in message 
 news:A6adncDpnavvaCffRVn-2A@rogers.com... 
 > 
 In response to Terry's posting about extra card charges for purchases less 
 tha $5. 
 > 
 > Secondly, credit cards do not incur interest charges if paid within thirty 
 > days and IMO, PIN notwithstanding, they are just as secure as debit cards. 
 > 
 > Carter 
 > 
 You are correct. Frankly we haven't had any problems using a our credit card 
 and as you suggest pay the balance monthly. 
 What we do is pay one dollar more than the balance, a few days before due, 
 each month. Even if we do not use the card at all the following month we are 
 one dollar 'in credit' and this seems to ensure that we receive a paper 
 statement. In some five years of using a no annual charge Can. Tire Options 
 Master Card we have not incurred any interest charges whatsoever. 
 If we were to owe a balance on the card it would be necessary to pay a 
 certain monthly minimum and would also incur credit card interest at an APR 
 of 18.9%! If it was ever necessary to run an unpaid balance it's much 
 cheaper to borrow from your bank! Even an unsecured bank LOC is currently 
 around 6.75%. 
  
 --- SoupGate-Win32 v1.05 
  * Origin: you cannot sedate... all the things you hate (1:229/2)