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Kroger shops. Do you use a Kroger shoppers card?

November 08, 2023 10:50PM
All or almost all of my grocery money is spent at Kroger. If they were using some kind of algorithm to determine discounts based on where I shop the most, I probably should get discounts or cash back offers for Amazon and Kroger, probably in that order. But neither were listed in the current promotions on my account.

Then again, mine is just a simple checking account, I have zero credit cards, so that might be the difference.
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November 08, 2023 11:06PM
Could be. Before opening a WF credit card, I only ever had a handful of deals at a time, and they were always for obscure online businesses.

I like having a cash back card to use when I have to make a purchase for MSing. It helps neutralize the lowballing on the fees, if only a little bit.

@Morledzep wrote:

All or almost all of my grocery money is spent at Kroger. If they were using some kind of algorithm to determine discounts based on where I shop the most, I probably should get discounts or cash back offers for Amazon and Kroger, probably in that order. But neither were listed in the current promotions on my account.

Then again, mine is just a simple checking account, I have zero credit cards, so that might be the difference.

If your path dictates you walk through hell, do it as though you own the place. -unknown
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November 10, 2023 06:26PM
I also use my cash back credit card. Why don't people use credit cards if they qualify for them? I have at least $500 cash back so far this year.
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November 10, 2023 09:07PM
Temptation would be my guess. It's too easy to overspend and get yourself into trouble financially.

@melg wrote:

I also use my cash back credit card. Why don't people use credit cards if they qualify for them? I have at least $500 cash back so far this year.

If your path dictates you walk through hell, do it as though you own the place. -unknown
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November 11, 2023 09:22PM
I learned the hard way that my life is much easier without credit cards.
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November 16, 2023 05:59PM
@Morledzep wrote:

I learned the hard way that my life is much easier without credit cards.
Most likely it's not the credit card's fault.
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November 17, 2023 12:14AM
Why must someone/something be at fault?

Different strokes for different folks.

@melg wrote:

@Morledzep wrote:

I learned the hard way that my life is much easier without credit cards.
Most likely it's not the credit card's fault.
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November 17, 2023 06:46AM
melg,

no one is assigning blame. I am debt free. I have no mortgage, I have no car payment, I pay my taxes and my utilities, and my insurance. I don't have credit because I don't want credit.
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November 22, 2023 05:29PM
@Morledzep wrote:

melg,

no one is assigning blame. I am debt free. I have no mortgage, I have no car payment, I pay my taxes and my utilities, and my insurance. I don't have credit because I don't want credit.

It's not credit if you pay it off on time every month. IF you qualify for a cash back card, that's 1-2% or more back in cash that you can apply directly to the card balance. You generally need a Credit Score of Good to Excellent, however (670). Several of them are zero annual fee.
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November 22, 2023 07:28PM
It is disingenuous to say it's not credit if you pay it off every month.

It is bad enough that you won't respect someone's decision not to use credit. It's worse to melsplain.

@melg wrote:

@Morledzep wrote:

melg,

no one is assigning blame. I am debt free. I have no mortgage, I have no car payment, I pay my taxes and my utilities, and my insurance. I don't have credit because I don't want credit.

It's not credit if you pay it off on time every month. IF you qualify for a cash back card, that's 1-2% or more back in cash that you can apply directly to the card balance. You generally need a Credit Score of Good to Excellent, however (670). Several of them are zero annual fee.
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November 22, 2023 10:44PM
The minute you use that card to make a purchase, someone is extending you credit. It doesn't matter if you pay it off an hour later - a financial institution fronted you the money for that $14.99 purchase, regardless of the length of time you owe the debt. They are literally paying for the purchase upfront on your behalf in the hope that you'll honor your debt and pay them back (with interest, no less.)

With that being said, do I take the evil credit card industrial machine for 2% while giving them nothing in return by way of interest? Damn skippy, I do. Sleep like a baby at night, too.

Now - get off morledzep's case. Not everybody sees things the same way.

@melg wrote:


It's not credit if you pay it off on time every month..

If your path dictates you walk through hell, do it as though you own the place. -unknown


Edited 1 time(s). Last edit at 11/22/2023 10:49PM by drdoggie00.
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November 22, 2023 11:02PM
I feel like I just had a conversation with a teenager who just got their first-ever credit card.

If your path dictates you walk through hell, do it as though you own the place. -unknown
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November 23, 2023 01:59AM
I don't understand why it's so important to Melg that I have a credit card..
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November 26, 2023 03:28PM
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Moderator Note:

Inappropriate post removed. Name calling and personal insults are in violation of our guidelines.

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November 27, 2023 06:58AM
I am old, I was raised by folks who survived the Great Depression, they didn't use credit either. My grandparents paid cash for both of the homes that they owned in the San Fernando Valley in CA. They bought all of their vehicles and recreational vehicles with cash. I bought my first home with the money that they left for me when they passed.

When I rented, and when I got my first mortgage for my first home I HATED making payments every month. I knew the cure, all I had to do was pay off the mortgage. One of the guys I worked with didn't seem to understand that he could pay off his mortgage and live without a house payment, even though he had been in his home for over 30 years at that point (I didn't ask why he still had a mortgage because it was none of my business). I was very disturbed by the idea that he didn't or couldn't understand that he could live without a house payment.
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