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Unless you’re a college kid establishing credit for the first time or someone looking to reestablish credit after a major financial setback such as bankruptcy, there’s really no reason to carry department store credit cards. The scenarios above usually make them a great last resort, but if you already have established credit and are looking to dump debt for good, then check out three reasons to ditch those department store cards once and for all.
1. They are useless when you have a real emergency.
Look in your wallet right now. Ask yourself what good that Victoria’s Secret card would do if you had a flat tire tomorrow. Or, how would that Macy’s card help out in the emergency room? Not looking good, eh? In the face of an actual emergency, department store credit cards are simply worthless. And oftentimes the money you can’t find in your budget to save is going towards the interest on department store stuff you didn’t need and likely couldn’t afford in the first place.
2. The interest rates are too high.
Forget about those fake introductory rates the nice lady at the counter offers you. As genuine as she appears, she’s trying to meet her daily enrollment goal and keep her boss off her back. It’s your job to read the fine print and understand the APR.
The APR is the actual yearly cost of using the credit card and includes the additional fees or costs associated with your transactions. An important point to remember with many department store credit cards is that rewards, perks, and discounts shouldn’t come at a price of high interest rates or overwhelming fees. Interest rates on some department store cards may range from 16 percent to as high as 22 percent, despite the low APR pitch that you were probably given for the first three to six months.
3. You’re probably paying for your “rewards” points.
Some retailers require that cardholders spend a minimum amount, sometimes as high as $1,000 annually, before you can even begin to accrue any rewards. By that time you can find yourself riddled in debt attempting to earn a $25 gift card for your birthday. . . really?
Additionally, with many department store credit cards, only a percentage of your purchases will go toward earning rewards rather than the total amount spent. And, some of these merchants have deals that only pertain to customers who carry a set minimum balance on their cards.
And if that’s not enough, with some chains, in order to earn even a three percent reward on total purchases would require $100 spent to earn just $3. Should you carry a modest balance to the next month, you may owe anywhere from $16 to $22 on average just because of interest. So, really, you’ve just “rewarded” yourself with additional debt that you could’ve avoided all together by saving and paying cash.
4. They make you more likely to buy impulsively.
The thought that you can swipe now and pay later is probably at the root of most people’s issues with credit card debt of any kind. If you didn’t have a Target card would you really roam around the store browsing and filling up your cart with randomness? Probably not. If you had to pay cash or swipe your debit card, you’d probably wisely avoid certain parts of the store and stick to the list you came in with!
If you are already riddled with debt, stick to having a major credit card that allows you to have access to money during the times you may really need it. If you insist on keeping your fave department store card, just stay alert and manage it wisely. Take advantage of the savings, but without losing out over the long term by paying extra fees. Never buy something merely to earn rewards and never credit more than you can pay off at the end of each month.
On Wednesday, the last day of his tragic life, Myls asked King to go to McDonald’s. Instead, he was beaten and locked in a bathroom — a punishment that he’d endured before, along with many others that were just as evil, or perhaps even worse.
Paramedics rushed inside the apartment that day, responding to a 911 call placed by King, they found Myls unconscious, his small, battered body covered in cigarette burns, his torso and legs marred by bruises, police sources said. One of his front teeth had been knocked out. He died at a Manhattan hospital not long after his arrival.
Myls Dobson’s body showed signs of abuse and the sitter has admitted hitting him with a belt and a hanger, say police sources, adding that cigarette burns and defensive wounds were also found on his body.
In reality, Wade was thrown in jail in New Jersey after his arrest. He’s charged with second-degree counts of conspiracy and money laundering for his alleged role in withdrawing at Atlantic City casinos more than $275,000 from people’s bank accounts.
Instead of calling his immediate family to care for Myls, Wade called his new girlfriend, his family said. The family also did not know Wade was dating King, nor that she was a transgendered woman.
Ashlee Dobson, shown here with son Myls, lost custody of the 4-year-old, who was then placed with his father. When dad Okee Wade was tossed in jail in December, he asked new girlfriend Kryzie King to care for him. The boy died Wednesday, allegedly after enduring beatings from King.Detectives from the Manhattan South Homicide Squad surround Kryzie King, real name Janaie Jones, who’s accused in the death of her boyfriend’s 4-year-old, Myls Dobson.
(CNN) – A Nebraska toddler who repeated a slew of profanities in an online video has been taken into child protective custody, Omaha police said Wednesday.
While authorities found nothing criminal in the video, officials from the Omaha police’s Child Victim Unit and the Nebraska Child Protective Services took the infant and three other children into custody on Wednesday, the police department said on its Facebook page.
The joint investigation found safety concerns, the statement said.
In the video, the diapered child is bombarded with obscenities and racial slurs by the adults around him.
The African-American toddler knocks down a chair and gives nearly as good as he gets, responding to some of the comments with an upraised middle finger and telling one of the adults at one point, “Shut up, bitch.” The adults laugh and prompt him to repeat other crudities.
Brilliant. Let me summarize. Christie was mad at New Jersey’s Senate Democrats because they were giving his nominees a hard time, so he decided not to re-nominate one of his close friends, a Republican, yo the judicial bench.
They’re “animals” an angry Chris Christie said about the Senate Democrats, in a hastily called press conference held to explain why he was not re-nominating his friend to the bench. That press conference, where he called the Democrats “animals,” was held on August 12th.
A little after 7am on August 13th, a message was sent from Christie’s office saying, “time for some traffic problems in Fort Lee.”
The head of the Senate Democrats represented Fort Lee.
We’re still in the middle of this Bridge gate controversy, but already Democrats have released their first ad.
Using Christie’s own words and tying those words into New Jersey’s Bridge-Gate scandal, Democrats manage to paint a very dark picture of what a Christie presidency could be like for this nation.
Governor Christie’s statement Thursday that he fired senior staffer Bridget Anne Kelly after being “misled” about the George Washington Bridge traffic jam has echoes of an episode when he fired his education commissioner more than three years ago.
In August 2010 Christie claimed that his education chief at the time, Bret Schundler, lied to him about a bungled application for $400 million in federal Race to the Top funds. But Schundler fiercely disputed the charge that he misled the governor and quickly showed reporters emails to prove his case.
“The governor called me a liar,” Schundler wrote in a seven-page chronology of events relating to the application. “I have no choice now but to defend my name.”
At the time, a Christie’s spokesman said Schundler was engaging in “revisionist history.”
The dispute occurred when New Jersey lost the first round of the Race to the Top contest by only three points out of 500. The failure to include budget data for 2008 and 2009 in the application cost five key points.
After losing the contest, Christie said at a Wednesday press conference that the state had provided the budget data to a panel of judges in Washington D.C. – and blasted the Obama administration’s “drones” for being too bureaucratic in their rules. But a video released by the U. S. Department of Education the next day proved Christie’s remarks to be inaccurate; the Schundler team did not have the budget data on hand.
Christie fired Schundler soon after the video came out.
Hours after his termination, Schundler showed reporters emails that he sent to the governor’s top staff before the Wednesday press conference; the emails underscored that he did not present the necessary budget numbers to the panel. Schundler told reporters that before the governor’s televised tirade, Schundler had made it “crystal clear” that he did not have the precise numbers with him for the judges’ review.
Christie told reporters back then that the takeaway from the episode was “Don’t lie to the governor.”
Schundler responded that the governor was being “dishonest.”
“The governor is embarrassed,” Schundler added at the time “He looks and blames somebody else. And it’s usually not the misstep; it’s usually the coverup that gets people in trouble.”
Schundler declined to comment Thursday. A former mayor in Jersey City, he now serves as a consultant for a charter school in the city.
A class action complaint has been filed in federal court against top government officials connected to the George Washington Bridge scandal, the Fort Lee, N.J., attorney behind the move said Thursday.
The complaint — filed in the U.S. District Court of New Jersey by attorney Rosemarie Arnold — takes aim at key players in the controversy, naming Republican Gov. Christie, former Christie aide Bridget Kelly, former Port Authority officials Bill Baroni and David Wildstein, the State of New Jersey, and the Port Authority as defendants.
As a class action suit, the exact number of members has not yet been determined, but according to the filing “includes any and all individuals and business owners” who were inconvenienced or hurt by the lane closures between Sept. 9 and Sept. 13. According to Arnold, the plaintiffs work or live in or near Fort Lee or New York City and are citing economic damages by the lane closures.
The complaint follows a whirlwind week for Christie, who said in a press conference Thursday that he was blindsided by a report in The Record that said that senior members of his staff were connected with the lane closures on the George Washington Bridge.
OKLAHOMA CITY (Reuters) – A 33-year-old Oklahoma man has been charged with killing his stepfather by giving him an “atomic wedgie,” that caused the victim to suffocate on his own underwear.
Brad Lee Davis was charged with murder in the death of 58-year-old Denver St. Clair in a drunken family fight at a residence just east of Oklahoma City, the Pottawatomie County Sheriff’s Office said in an arrest affidavit obtained on Wednesday.
Police arrested Davis on Tuesday. The affidavit said he “grabbed St. Clair’s underwear and gave him an ‘atomic wedgie.’ Davis allegedly pulled the elastic waistband of St. Clair’s underwear over his head and around his neck.”
Oklahoma Medical Examiner spokeswoman Amy Elliott said the cause of death was asphyxiation and blunt force trauma.
Pottawatomie County Sheriff Deputy Travis Palmer said Davis and St. Clair were drinking beer on the night of December 21 at the older man’s residence when St. Clair began speaking ill about his wife, who is Davis’ mother.
Investigators said St. Clair’s elastic waistband was stretched over his head and that it left ligature marks around his neck. Blood splatter was also found in the kitchen, the living room and on the living room ceiling.
Davis was being held in Pottawatomie County without bond. His lawyer was not immediately available for comment.
The problem for Christie and his “office” is not that they would be perceived to be using the office of governor as petty personal fiefdom. The problem for Christie and his “office” is this.
Emergency responders were delayed in attending to four medical situations – including one in which a 91-year-old woman lay unconscious – due to traffic gridlock caused by unannounced closures of access lanes to the George Washington Bridge, according to the head of the borough’s EMS department.
The woman later died, borough records show.
And this.
“There was a missing child that day. The police had trouble conducting that search because they were tied up directing traffic,” says Jan Goldberg, a Fort Lee councilman who works with local emergency personnel.
Endangering the public safety as “payback” for a member of the opposing party not sufficiently cowing to you would seem to be beyond what a non-sociopath would consider to be reasonable policy.
In a statement released on Thursday, former NBA player and current BFF to North Korea’s leader Kim Jong-Un, Dennis Rodman apologized for the freak show performance he displayed in an interview with CNN.
“I want to first apologise to Kenneth Bae’s family. I embarrassed a lot of people. “I’m very sorry. At this point I should know better than to make political statements. I’m truly sorry.”
Rodman blamed his outburst on drinking, stating that some of the other players he brought to North Korea were feeling pressure from back home and were preparing to leave.
In the game they played against North Korea on Wednesday, Rodman played the first half of the game, changed, then watched the rest of the game with his new best friend, Kim.
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