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The week's question
In March 2025, in the thread "Re: OT, out", Umm asked the members: "Do you think it is because America is made up of magical soil that makes businesses based in America magically profitable?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Author: onepoorguy ⎊✺🐝  😊 😞
Number: of 86269 
Subject: Re: 10% credit card rates
Date: 01/14/26 1:13 PM
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How do you pay for online purchases? Or make payments in stores if you don't use a credit card?

I'm just curious. I haven't paid for much stuff with cash or a check in more than a decade. I'd say 95% of my regular purchases are with a credit card.


Before there was an "online", I didn't have a credit card. Well, 1poormom put me on hers so that I would have one for emergencies. As I recall, it doubled as a calling card (remember those?). I would have some cash in my pocket. But if what I wanted exceeded that level, I would go to the S&L (remember those?!), withdraw what I needed, and go buy what I wanted. It was a really good way to not buy things, also, as I couldn't really impulse buy.

It was inconvenient, but relatively easy.

For online, there are a few options. Paypal is the most obvious. Many sites will take debits or e-checks. CCs are easiest, and most ubiquitous, but they aren't the only way.
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This community has written 86,214 posts about US Policy. The article-length ones it recommended most:
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