[PRCo] Re: Fare Registers - Passenger Counts - Recessions Depressions

[Edward H. Lybarger]

You would put the poor credit card issuers out of business? 

-----Original Message-----
From: pittsburgh-railways-bounce at lists.dementia.org
[mailto:pittsburgh-railways-bounce at lists.dementia.org] On Behalf Of
Schneider Fred
Sent: Monday, December 15, 2008 2:12 PM
To: pittsburgh-railways at dementia.org
Subject: [PRCo] Re: Fare Registers - Passenger Counts - Recessions
Depressions

And I wish there was a way to negotiate those transaction fees out of the
price.

When I bought my Nikon D90, I clearly said to the dealer that he should
sharpen his pencil and that it would very nice if the price would reflect
the fact that I was going to be kind to him and not add it to my account ...
i.e., Matt, "You are not going to have to continue to pay interest for it
for another 30 days." I'm giving you  
a check today.   The price he gave me is between the high and low  
range of those I see on-line today for the D90.

But you cannot twist arms in Sears or K-Mart.

And I would feel guilty telling my regular restaurants to notice that I'm
paying cash instead of using a credit card when I also notice  
that their customer volume is down.   I eat mostly at small family  
owned places and I know that the owner is suffering too.   That's why  
a shifted to cash to give them a few percent more.

On Dec 15, 2008, at 1:50 PM, Edward H. Lybarger wrote:

> But if I chose to use it, they'd have to honor it.  The other point is 
> that they know who pays and who doesn't...they've just chosen to 
> ignore the latter part in too many cases during the last few years. 
> But they can't really like me too much, because they never earn 
> interest from me...only transaction fees, which the merchants pay (and 
> hide in the prices).
>
> -----Original Message-----
> From: pittsburgh-railways-bounce at lists.dementia.org
> [mailto:pittsburgh-railways-bounce at lists.dementia.org] On Behalf Of 
> Schneider Fred
> Sent: Monday, December 15, 2008 12:49 PM
> To: pittsburgh-railways at dementia.org
> Subject: [PRCo] Re: Fare Registers - Passenger Counts - Recessions 
> Depressions
>
> That's the point ... the credit is there for those who don't use it 
> and they know it, i.e. there is no credit.
>
> On Dec 15, 2008, at 12:32 PM, Edward H. Lybarger wrote:
>
>> I had one credit card holder nearly double my credit limit about 60 
>> days ago.  Too bad (for them) that I'll never use very much of 
>> it...the largest purchase under the previous limit was a bunch of
>> stuff for PTM that might have approached 25% of the allowable.   
>> It's a
>> card I use for online purchases, and not terribly frequently.  Oh, 
>> yes, my E-Z Pass automatically reloads to this card, too.
>>
>> I think there's plenty of credit out there for people who don't need 
>> it and won't use it!
>>
>> -----Original Message-----
>> From: pittsburgh-railways-bounce at lists.dementia.org
>> [mailto:pittsburgh-railways-bounce at lists.dementia.org] On Behalf Of 
>> Derrick J Brashear
>> Sent: Monday, December 15, 2008 12:15 PM
>> To: pittsburgh-railways at dementia.org
>> Subject: [PRCo] Re: Fare Registers - Passenger Counts - Recessions 
>> Depressions
>>
>> On Sun, 14 Dec 2008, Schneider Fred wrote:
>>
>>> have no credit to get us out of this.   The lady that owns my
>>> favorite Chinese restaurant is complaining that here Visa card 
>>> holder has lowered her credit limit which now places here at a point 
>>> where she is using up 70% of the available credit line instead of 
>>> 35% and
>>> that makes her credit rating also look bad!   But the banks don't
>>> want people using credit.   They don't want to get stung again.
>>
>> I could still pay off my house using the available balance on just 
>> one card.
>> Of course, I am suffering because no one is buying, but not that 
>> badly. The mortgage cost is low.
>>
>> Needless to say, I do not plan to do that.
>>
>>
>>
>>
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