Credit Cards 2022

[YellowHammer]

You are right. I'm sure they have a low fee, but I bet they pass the whole fee on to the customer anyway.  It wouldn't surprise me if they pass on even more than that, stuff I don't even know is affecting me.  

When we had a "real" card merchant account where we could see each card and fee, it was interesting that the lowest fee was charged to us was from cards issued to the people with the worst credit rating.  Kids, teenagers, etc couldn't get points back on their cards, didn't use World cards, didn't use company cards, and the credit card fees charged to us was less than a 60 year old guy with a company card getting points back.  So fees varied from, 1.25% to 7% based on the card type, the bank guarantee issuing the card, the user, etc.  It was pretty interesting to see how it all worked.  

[kantuckid]

In my small burg we have a Family Dollar and a Dollar General along with a small IGA grocery store. The IGA is the only full grocery here and tends to be high priced but well run. Dollar stores have been a truly great thing for eastern KY and many other rural areas!
 Low income folks often seen doing much of there basic needs in one given the reality of a 50 miles plus RT. Family Dollar has a major warehouse not far from me. They are spaced about 15 miles apart as it seems. Currently I'm driving 24 miles one way to a sawmill in an area even more rural than mine. There is one tiny convenience store with no gas in that burg 2 miles from the sawmill, no other businesses. I pass directly by or a couple miles from 4 dollar stores going to the sawmill guys farm. 

[Al_Smith]

I don't know if it's still practiced but at one time they attempted to solicit credit cards under the guise of some fraternal organizations, unions etc .People without looking at the terms got one ,or ten for that matter Those often charged interest from the purchase date not monthly billing date .They were in essence a scam .They got paid in two ways ,by the purchaser and the seller . Remember they are a business for profit .BTW I never carry a balance .

[SwampDonkey]

I can't even get decent gloves in local stores now, they don't keep up with stock. They carry the brand, but if they have not the size, might as well not bother. Have to order online. Same thing happened with work clothes. They started making old reliable brands in Asian and the sizes are small and tight fitting. So I switched to Canadian//SA made that fit. The local gas bar, that closed 5 years ago, had all kinds of gloves for a working man/woman. Now it's gone, and can't even get gas in town. Retired. Then the owner died not long after and he was 65, bad heart. A lot of old businesses close because of retirement. Those stores I mentioned earlier were top rate, never heard a negative thing about them.

[WV Sawmiller]

   I get decent service out of the cheap cloth with leather palm work gloves from HF and recently found Blue Mountain brand canvas work pants from TSC that seem to be working well and only about $15/pr.

   I think there will always be a market for high end tools and equipment and other products for professionals but inexpensive decent items will always sell to the laymen.

[kantuckid]

Speaking of gloves and dollar stores, etc., I bought several pairs of the knit plastic "dot gloves" at a Goodwill store in FL last winter. I like them for handling lumber and these were cheaper than bulk web buys and the better version that has dots on both sides. 

[Al_Smith]

The last gloves I bought either from TSC or Farm and Field .Pig skin leather ,around 7 -8 bucks a pair  .Pig skin is a little tough at  first but once they are worn a bit they loosen right up .I never wore gloves for years but found  out at my age my hands are not hoof hard as they used to be .