Emergency Credit Cards.

Credit Cards - Emergency Use Only

"Get a credit card, but only use it in case of an emergency."

The road that has been traveled by Americans, are at the crossroad of finance and ethics.

America is a bit over 200 years old now, and as an observer for 50 years, it is my conclusion that the choice was to let ethics, wisdom and intelligence go free.

The love of money is the greatest love Americans have.

An example begins with the early days of television; yes it was black and white. Does anyone remember the old Dick Van Dyke show? On the Dick Van Dyke show, Rob, a newer member of the writer's staff, had the job of writing for a weekly variety show. Just like today, in order for the agency to get funding for the variety show, they had to come up with keen ideas for advertising?

The shows are old black and white shows. Times have sure changed. They smoked and drank liberally in the workplace and on television. Mother was at home with the little kids, and Dad's only responsibility was to bring home the bacon. Child rearing fell mainly on Mother, unless discipline was required.

The dynamics of the show, were where Dick was pressed to get bigger and better clients. Dick and Marge and Buddy, worked day and night trying to find the perfect catch phrases.

They did stress and strain trying to find the right flood of words or images, to go straight to where the consumer lives. Unknowingly, they and their ilk, would come to nest within the mind of people viewers.

It wasn't that people did not want stuff, it was just that companies had to come up with new and interesting ways to get people WANTING more things. Bigger, better, faster...

Rob and the rest of the writers were always under pressure of losing their jobs, unless they could come up with new adventurous ways to hook advertisers. The pressure was on. The pressure was put ultimately upon the consumer of goods.

Charge It or Buy It

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The Dick Van Dyke Show, YouTube

Jingles Sound Like Innocence, and Santa

Jingles were the first real push in advertising. Coming up with a catchy little ditty about say...Jello, would get into people's mind, and they would always think about, and sing these songs, embedding the tune and advertisement in as many people's minds as possible.

In the video below, are commercial jingles from the 1950s and 1960s. Many of the products highlighted in this video, the average media viewer, will recognize. Rice Krispies, Mr. Clean, Slinky, and Texaco among others. The Slinky jingle is embedded in my brain forever.



Jingles, get into our head, and you cannot get them out

Early Use of Subliminal Marketing

Wikipedia Article

Wikipedia has a lot of contributions regarding subliminal messages...

Public concern was sufficient to cause the FCC to hold hearings in 1974. The hearings resulted in an FCC policy statement stating that subliminal advertising was "contrary to the public interest" and "intended to be deceptive".[23] Subliminal advertising was also banned in Canada following the broadcasting of Hūsker Dū? ads there.[20]

A study conducted by the United Nations concluded that "the cultural implications of subliminal indoctrination is a major threat to human rights throughout the world".[31]


Subliminal Messages, New 2011

Charge It

In the late 1970s, early 1980s cartoons were in on the act. Lilly can recall snippets from the Flintstones® and Jetsons® created by Hanna Barbara, where the women of the house, were given relief from their dreary lives of solitude and indenture, by giving them the Charge Card to be able to go shopping.

  • Not have the money ?, No problem, Charge it.
  • Always wanted to take your spouse to HI? Not enough money? , Charge it.
  • Broke down on the side of a road in 1970? No ATM's, no problem, you have Master Charge.

When counselling individuals on building their credit scores, even Financial experts continue with a Mantra that was started decades ago. The only reason a responsible and honest person would need to apply for or own a credit card, is for EMERGENCIES.

The person who is the best fit for a Credit Card , is one who has the money,or disposable income. They are able to take advantage of bookkeeping and records maintained via statements and other paperwork.

The optimum approach for using a Credit card, is by paying the balance within a few days, or certainly before 21 days are expired . The wise money person does not pay interest to use their own money.

Most people who have gone through the stress and anxiety of applying for a loan at a bank, has quickly come to realize, that the only people who get loans , are those who have the money .

The only people who can also afford to file Chapter 7 Bankruptcy, complete debt consolidation are those who have the available extra several thousand dollars to gain relief.


1973 Master Charge Commercial

Credit Cards Do Not Create Extra Money

In conclusion: Credit is not extra money. Credit cards are not for financial emergencies.

For a Christian based culture who loves to deride individuals their personal sexual preferences, and lifestyles, it is shocking to discover that Christians, as well as most other North American groups are able to ignore the warning in the Holy tomes, "not to owe any man".

Being in debt was a Shame to a holy person. It was Solomon's Wisdom that decried the used of Credit, or Usury.

In the United States, in the 1970s it was considered shameful to buy on credit. Western Auto was the first business in our small rural town that opened up charge accounts for customers. As Christmas loomed, Western Auto would send out beautiful and alluring advertisements, allowing that a Credit Customer could fill up the space under the Christmas Tree.

Those first entities offering credit, eased the way for those with a lot of money, to continue to prosper, while those with no or limited money fell deeper and deeper into debt.

Is it an emergency when you are about to have Triplets, and you must go buy brand new suites for all three of them? Is it an emergency when it is your Anniversary, and you still haven't taken your wife on a worldwide cruise?

The messages sent by financiers, has been; life is an emergency. Wanting is an emergency. If you want that $2,000.00 keyboard , it is an emergency. Just think, that $2,000.00 can be broken into 36 easy payments of $50.00 as a minimum payment . Just think please. Paying the minimum balance, will never be able to pay the debt off.

A great deal of dissatisfaction felt by most consumers and shopping addicts is that although they go through the register, and have a bag of receipts, they do not own it.

If wanting is an emergency, then that means it is okay to steal.

What is the difference in a Contractor paying for supplies on credit, building a project, and then going bankrupt, to a Thug on the street, seeing something that belongs to you, and because he deems it an emergency, he can take what is yours? Somebody gets screwed.

The difference is lawyers, banks and politicians. They do it all gentlemanly. Suppliers and many small businesses take big hits and go under because those who can afford to Charge jobs, tools, and labor; then go Bankrupt.

The one who gets ripped off most is the consumer. Buying on credit is for those who already have the money to pay for what they want or need. Consumers who spend their lives in credit card debt never own very much . Consumers who hail the call, "Charge It" are caught up in suggestion. Suggestion that their lives will be better and more satisfying if they "shop until they drop", "Life is an emergency and there is ____________ Card".

By rethinking Credit and Credit card use, consumers can begin to pay themselves. Pay yourself by purchasing only what you need, and saving for what you want.

Do not let someone else charge you usury to use your own money! It is a trap, and in order to have Money growing on trees in your life, Don't Charge it.

Pay for it up front. You will have much greater satisfaction in your life and belongings.

© 2011 Lori J Latimer

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Comments 20 comments

Don Simkovich profile image

Don Simkovich 5 years ago from Pasadena, CA

Hey, good points in here. The benefits of advertising is that it has created a prosperous society and has led to countless jobs. But, yes, there's a catch. Too many people have gone in debt and remain in debt or want what they don't really need.


LillyGrillzit profile image

LillyGrillzit 5 years ago from The River Valley, Arkansas Author

Thank you Don, I know my philosophy is not popular, but a much more satisfying way to live. Thank you for your comments, and being the first to comment. :0)


Jeff May profile image

Jeff May 5 years ago from St. Louis

Excellent hub here. I especially liked the submliminal Fox ad.


WillStarr profile image

WillStarr 5 years ago from Phoenix, Arizona

As my old Dad once said, "If you really need a credit card, then you really don't need a credit card."


LillyGrillzit profile image

LillyGrillzit 5 years ago from The River Valley, Arkansas Author

@Jeff May, Thanks, I had heard the subliminal junk started back up about 10 years ago, but hadn't done the research until today. There are tons. I don't watch TV because of this, I listen...Thanks for the read and compliment.

@WillStarr Your Old Dad was 100% Ace On! Perfect Quote. Thanks for giving this read and comment.


stephhicks68 profile image

stephhicks68 5 years ago from Bend, Oregon

Lilly - I absolutely LOVE this hub! What great information, video clips and your own perspective makes this (often dry) topic shine. Rated up and awesome. Good luck to you!


LillyGrillzit profile image

LillyGrillzit 5 years ago from The River Valley, Arkansas Author

stephhicks, Thank you very much. Not only are you writing madly with each hand, but you take the time to read and comment! Nice comments, and thanks. Good luck to you too! Write On!


boyatdelhi profile image

boyatdelhi 5 years ago

Thanks for the nice hub. Very interesting.

Thanks


soni2006 profile image

soni2006 5 years ago from New Delhi, India

Hi Lilly, this is an amazing and unique hub I have seen after so many days and the relevant video, pics, and other information will win you the game. Best of luck.


LillyGrillzit profile image

LillyGrillzit 5 years ago from The River Valley, Arkansas Author

@boyatdelhi, Thank you for the first time visit and giving this a read, I am glad you found it interesting. Please come back anytime.

@soni2006, It is an honor to have you come and read this Hub, as I know you are writing madly as well and have become our Mascot for this contest. Thank you for following, I am tickled. I worked hard on this unique content, and being around a half century helps. The very best to you new friend!


always exploring profile image

always exploring 5 years ago from Southern Illinois

This is a great 'How to hub' I am happy to report that i have a credit card but i never pay any interest,There are some hotels that require a credit card to book a 'call ahead' room. I remember 'The Dick Van Dyke Show'

I really loved it.Those were the good old days. Thank's for the info.

Cheers


LillyGrillzit profile image

LillyGrillzit 5 years ago from The River Valley, Arkansas Author

@alwaysexploring, Thank you! I like your comment, "...happy to report, never pay interest" Not being a slave to interest is a positive thing. Thanks again for the read and comments. :0)


Denise Handlon profile image

Denise Handlon 5 years ago from North Carolina

Lilly-great hub LOADED with realism. Your comment about it not being the popular choice is so true. The credit snowball has escalated downhill and there seems to be a 'no stopping it' attitude. Our country counts on credit now. There is such truth in the words of your hub. So many people are under the gun of the financial pressure caused primarily from overspending. And, the added tragedy-we are teaching our young children that money doesn't grow on trees...it comes from the atm machine. Thanks for your valuable words.


LillyGrillzit profile image

LillyGrillzit 5 years ago from The River Valley, Arkansas Author

@Denise Handlon, Thank you very, very much. I am glad that you found value in this Hub. It has been simmering in my mind for a long time. Perhaps it will help a few people make choices that ease their lives, and get out from under the Credit Snowball. Thanks for your enriching comments!


katiem2 profile image

katiem2 5 years ago from I'm outta here

I have two confessions; 1) I do have a credit card I keep it locked up in my safe for as you say, credit cards for emergencies and emergencies only. 2) I've never used it in fact after the first three years of inactive use they cancelled it and then quickly sent me a renewal letter. Well Done! :) Katie


LillyGrillzit profile image

LillyGrillzit 5 years ago from The River Valley, Arkansas Author

@katiem2, I had only one credit card for small gift purchases while I was out on the road travelling, I would pay off my very small balances early, and never paid interest, until I had an emergency...our refrigerator went out, and I only spent $500.00 for a decent little fridge, but there it went...It took years to untangle myself from that web. The very best to you. Smart woman you are!!!


sherrylou57 profile image

sherrylou57 5 years ago from Riverside

I use my credit card in emergencies! To hard to pay off.


LillyGrillzit profile image

LillyGrillzit 5 years ago from The River Valley, Arkansas Author

@sherrylou57, Thank you for the visit! I agree, thanks for leaving a comment.


chan0512 profile image

chan0512 5 years ago from Camarillo, CA

I agree credit card can be a friend or enemy. As long as you paid it off, I think it will be find. Some Credit card also pay cashback (5% or more). Interesting old ads. :) Thanks for sharing.


LillyGrillzit profile image

LillyGrillzit 5 years ago from The River Valley, Arkansas Author

@chan0512 Thank you for your comments. You are the money man, and I am glad you found it interesting. Thanks friend.

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