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Star card

who's talking here?

Jennie 2
notsue 2
Tee C 4
What a great life 1
lovemyhubby 1
Are we done yet 4
UGrewInMyHeart 2
JoBreezy 1
Jazmine 1
a3057228uu 1
a3081152uu 1
susimaru 1

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a3081152uu --- 6 years ago -

Where all can it be used? I'm thinking about getting one but want to know where on post I can use it at 

a3057228uu --- 6 years ago -

Shoppette , px , commissary with the black one , shorta daycares and iach everwhere 

lovemyhubby --- 6 years ago -

if you get the black one you can use it any where on or of post but be aware thats it is two cards in onewith two seperate bills. 

Are we done yet --- 6 years ago -

I wouldnt want a star card. Everyone i know has had nothing good to say about them. I would rather have a regular credit card. 

notsue --- 6 years ago -

I think they are evil... take advantage of all the "fresh" blood. Should wait til you can get a Discover card or Amex. 

What a great life --- 6 years ago -

All credit cards can be evil.if you do not use them properly. I do like the perk of the discount on gas. We had a star card, and had no issues with it at all, but we paid it off and haven't used it as we now use a card that gives us airline miles instead. But if you want a star card that's your call , just all depends on what you want out of your credit card 

Tee C --- 6 years ago -

I think the Star Card can be a great stepping stone to building credit for those with bad or little credit.

When I joined the Army (way back when dinosaurs were on the planet), the Star Card was called the DPP Card; it stood for "Deferred Payment Plan" but people called it the "Dumb Private Plan". Basically, it was a way of saying that young soldiers (who wouldn't otherwise qualify for credit) got the card and then soon maxed it out and fell behind on the payments. I disagree with that, though. Just as What a great life stated, any credit card can be detrimental if used improperly. I see nothing wrong with checking the current APR on the card (to see if it is what you want to pay), then buying a large item like a television or other item you normally wouldn't have the money for, and then make all the payments on-time (plus some extra to pay it off faster). The Star Card also allows soldiers to purchase military clothing and gear interest free. Since Department of the Army changes their mind about uniform requirements at the drop of a hat, that is a great option for what clothing allowance doesn't cover.

What I didn't agree with about the Star Card is when it was opened to MWR facilities. I had a lot of parents paying for daycare with Star, paying for groceries, etc. That kind of behavior can get you in trouble if you don't stay on top of it. 

notsue --- 6 years ago -

Love it, DPP... thats the impression I get today. I have a problem with any credit card that is easy for the majority to get. All of the companys that are trying to help people get started, are evil :)
People need to learn how to get by on cash only, you can learn a lot from it. 

Are we done yet --- 6 years ago -

People need to learn how to get by on cash only, you can learn a lot from it.

Someone once told me if they cant afford it that they dont need it. The have never and will never have a credit card/ star card or any other lonas other than a car loan. 

Tee C --- 6 years ago -

Someone once told me if they cant afford it that they dont need it. The have never and will never have a credit card/ star card or any other lonas other than a car loan.

I think this is why it used to give me such pause to see parents paying for daycare with a credit card. I know that every situation is different and sometimes people fall on tough times, but daycare? My first thought was if you have to go into debt to work, why work? I know plenty of women/men who want to work but can't because they would end up in the red paying for daycare. If you're getting paid $1,200 a month but paying over that amount in daycare and gas, it may be time to reevaluate... 

Jennie --- 6 years ago -

but people called it the "Dumb Private Plan".

LOL When I worked for AAFES in the cash cage/customer service, we would call it "Deep Pocket Payments" because of the people that would wait and let it get so far behind that they had it taken from their pay to make the payment. One thing that is constant is that if you don't make the payments, then they will take them from your pay (military pay) if they don't take the whole amount owed. AAFES always gets their money. 

JoBreezy --- 6 years ago -

Ive also heard if you dont make your payments and let the card get defaulted or something like that, they can seize your tax return as well (like if you got a star card and then got out of the service and just stopped paying it.) 

UGrewInMyHeart --- 6 years ago -

Yeah before we got married my hubby racked up some money on his star card and we're getting close to paying it off and cutting that sucker up!! yay =) lol No more loans, credit cards, etc. I agree w/ someone that said if we can't get it with cash then we don't NEED it (unless we get another car .... SOMEDAY? I would say buy a house, but that's too far in the future to even think about lol) 

Are we done yet --- 6 years ago -

Hubby didnt have a star card but he had gotten into some trouble and owed the px some money. I could have swarn it was taken out of his check but they seem to think different becuase a couple years ago our tax refund was about 250 dollars short why becuase the px withheld some of our tax refund to get their money so yup they will dock yoru tax refund to get their money. 

Jennie --- 6 years ago -

Ive also heard if you dont make your payments and let the card get defaulted or something like that, they can seize your tax return as well (like if you got a star card and then got out of the service and just stopped paying it.)


Yup they can if they can't retrieve it via your military pay. If you owe them ANY money, they find a way to get it and do. It can be years down the road, and they always get their money. 

UGrewInMyHeart --- 6 years ago -

Yep, that actually happened to us (took payment) before we realized we were just over 1 month behind and instead of taking the normal payment due they took over $300 out of our check on ONE payday. We want it paid off anyways, but that was horrible because we had a lot of bills (besides that) that payday :-/ and the bad part is we were NOT informed that it was going to be taken out. It's okay now we're paying just about triple was is due every month just to get it out the way so we dont have to deal with them. IMO the worst part about them that we experienced was the customer service! My hubby called in one day and we don't have good signal and he couldn't hear the woman very well and he said "Hello, are you there" (in a normal tone) and she starts freaking out and yelling saying "Sir you need to stop talking to me like in that tone!!. I'm on the phone stop acting like you cant here me!!" He then just hangs up, might have been rude, but that was just insane for her to freak out...she must have woke up on the wrong side of the bed for sure! He called back and the lady verified all of his information and he asked how much is due and the date it's due. She kept interrupting him saying how he should have received a statement in the mail and that it will take her too long to look all that up! She continued to say if we have a problem on our pay to talk to the finance office on post (instead of her just assisting him, the customer, with his bill). I've never had such horrible customer service ever. We've never called back since and I hope we don't have to. 

Tee C --- 6 years ago -

Yup they can if they can't retrieve it via your military pay. If you owe them ANY money, they find a way to get it and do. It can be years down the road, and they always get their money

Amen. AAFES is like the Royal Canadian Mounted Police: they always get their man, lol. 

Jazmine --- 6 years ago -

Ummm, did someone actually say that paying for daycare with a credit card means they are going into debt to work? Not really, I have been to 4 different daycares & none of them take cash, only credit/debit. And I am currently working to pay for childcare, but it doesn't bother me that much because my children are learning to be social, learning more than I have patience to teach them, & I'm not going out of my mind with the same ol routine each day...granted when I have a day off, I keep them with me even though I have the option.
Anywho, as for the star card, all I have to say is THANK GOD we finally paid ours off! But I do love the fact that it is one of the few cards that if you are able to pay more than the minimum each month-then they don't make you pay for the next month because you are technically "ahead of the game". I've never found any other card with this option. 

Tee C --- 6 years ago -

Ummm, did someone actually say that paying for daycare with a credit card means they are going into debt to work? Not really, I have been to 4 different daycares & none of them take cash, only credit/debit.

There were plenty of people who regularly pay their daycare bills with Star, Mastercard, Visa or Discover--not a debit card, a credit card. The problem isn't paying with a credit card; it's paying with a credit card because they don't physically have enough money to cover the costs so they have to put the expenses on credit. Now to that, no, I don't see the point. Breaking even (so that the mother/father can get out of the house and gain work experience), yes; going into debt to work? No. I don't understand that.

I have heard every sob story in the book from parents who were late in paying their daycare, everything from "my husband is leaving me" to "our car broke down". I am sympathetic because things really do happen, but for some people, it's just bad money management.

I rememeber when a mother would hand my clerk a Visa for her children's daycare bill of $550. The card would decline. Then she would hand my clerk a Mastercard. That would decline. Then she'd go through every card in her purse until she found one that wouldn't decline. Now if that is the situation, I certainly don't see the reasoning in working. Why work if you don't even have the money for the necessities in order to work)?

I was CDC Director for a while so I heard all the sob stories 

susimaru --- 4 years ago -

thanks for your information 

Are we done yet --- 4 years ago -

 

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