Young Americans Are Ditching Credit Cards

By Hum
in Real World News

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remus_lupin

Posted
Posted

I am 21 now, I have used my debit card maybe... once? No... Twice!

 

I have had three credit cards for the past few years, never paid any annual fees nor any interest. EVERYTHING I buy is with credit cards and I pay it off every month.

 

Why do I have three credit cards?

 

Well because Credit Card #1 gives me 2% back on gas & groceries (was 5% for the first 6 months) - so I use it for... Gas and groceries! https://www.applyonlinenow.com/CACCapp/Ctl/entry?sc=COMP&lc=en_CA

 

Credit Card #2 is an SPC (student price card) there are a bunch of places that give you various discounts (such as 15% etc.) so if I am shopping at a place with SPC benefits... I use my SPC card http://www.bmo.com/home/personal/banking/credit-cards/student/spc-cashback-student-credit-cards

 

Credit Card #3 gives me 1% back on everything. So if I am not buying gas/groceries or getting anything from an SPC location then I use this credit card.

(Standard CC no point in me providing a link - pretty much everyone offers one similar to this)

 

None of the above have annual fees, and I probably get about $150 back per year. It's not a whole lot... but why not? What do I pay in annual fees? $0 What do I pay in interest? $0...

 

If I wanted to use my debit card how many free transactions do I get? 10

If I want to use more than 10 transactions on my debit card, what do I pay? $1/transaction.

 

However the debit card argument is null since there are obviously other debit card plans I could be on. I just chose the one I have because I never use it.

 

This said, some people have credit cards so they can get things they can not afford right now, and they just make the minimum monthly payments. Which is obviously not a good thing, as long as you pay off your credit cards on time every time, there is no disadvantages to having one, again, unless you happen to splurge and buy more than you can afford.

 

Edit: I actually have a fourth credit card. Again no annual fees... It's a Scene Visa Card... I got it because it came with 3 or 4 free movie theater tickets (in the form of scene points)... Then whenever I go to the movies I use that credit card because I get added benefits... I rarely go to the movies though, but hey, if I do, it's there. 

Grand Master

devHead

Posted
Posted

This is a general message to everyone I quoted and in general. I am horrified to hear some of the comments so I am replying belatedly. 1. I am not poor nor is my family my father drives a taxi. 2: See point one nor am I rich I am amazed my comments got miss interpreted, if we can't afford something we save or don't buy it point blank. This seems an unknown idea in America very odd. However my family could be odd since none of us have ever had a credit card or a phone contract. Just wanted to clear up some miss conceptions.

 

A couple things to keep in mind when posting, bro:

 

1. MultiQuote is a great feature, but putting that many comments above your post is a little overboard, especially since you aren't really responding to any particular comments. 

2. Frankly, which of the comments you used above are you horrified about?  None of the comments are really horrifying. Now, if someone said something like, 'I applied for a credit card and was declined, so I decided to explode my bank', that would be horrifying.  But really, people talking about their stand on credit and making purchases isn't really worthy of a word as strong as 'horrifying'.

3. I realize English is likely not your first language, but misinterpreted is one word and misconception is one word.  Actually, "miss conception" sounds like a beauty pageant contestant that had to drop out due to pregnancy. 

4. Never having a phone is odd; never having a phone contract isn't really that odd.  Buying something 'point blank' is odd.

Mentor

fintechfooty

Posted
Posted

100% Incorrect. That's not how credit scores are determined.

 

One of the determining factors is credit utilization (percentage). If you are using $500 of a $5000 limit, that's 10%.If you are using $500 of a 10,000 limit, that's 5% which is better.

 

No one is forcing you to use your available credit. 

 

I make a yearly salary (pre-tax) of under $50,000. 'Yet I have about $25,000 in available credit. I pay off each card every month in full. Rarely use more than 5% of my credit limit. 

exactly! just use it. Even if you spend $20 and you pay it off right away, your still getting good credit. It's just utilization. You never know when you're going to need it.

Mentor

DeadEndAccount

Posted
Posted

For people talking about 'building up a good credit record' - at least where i live you don't need to a credit card to build it up - pay your bills on time, no debt collectors, maybe have some savings, a good employment track record etc. all contribute to whether you're credit worthy or not. Regarding debit cards, I don't know what the cost is in the US but where I bank all my accounts are online where I pay no monthly or transaction fee with the Visa Debit card costing me $10 per year. When ever I hear about banking in the US it sounds like my own country 30+ years ago with people manually cashing their cheque given to them by their employer! good lord - that kind of crap still happens in apparently the 'most advanced economy in the world'?

Enthusiast

MandateOfHeaven

Posted
Posted

Fascinating to me what is the rational with that why does ones credit score have anything to do with employment not something I have heard of.

I believe companies, at least in the U.S., uses credit history to gauge how financially responsible a person is, and that somehow can offer them insight into how responsible a person can be in other things. This practice is common when applying for a white collar job.

Unfair, I know.

Grand Master

ILikeTobacco

Posted
Posted

For people talking about 'building up a good credit record' - at least where i live you don't need to a credit card to build it up - pay your bills on time, no debt collectors, maybe have some savings, a good employment track record etc. all contribute to whether you're credit worthy or not. Regarding debit cards, I don't know what the cost is in the US but where I bank all my accounts are online where I pay no monthly or transaction fee with the Visa Debit card costing me $10 per year. When ever I hear about banking in the US it sounds like my own country 30+ years ago with people manually cashing their cheque given to them by their employer! good lord - that kind of crap still happens in apparently the 'most advanced economy in the world'?

What are you babbling on about? We use direct deposit, no charge, no manual cashing of checks. Debit cards cost nothing. Using them costs nothing, well unless you are stupid and use it with a rival bank. When I say nothing, I mean nothing. Not even the $10 you are being charged with is the dumbest thing I've heard. You pay to use your own money? Are you really judging a nation based on your ridiculous assumptions after admitting to that you use that kind of backwards system?

Grand Master

tsupersonic

Posted
Posted

For people talking about 'building up a good credit record' - at least where i live you don't need to a credit card to build it up - pay your bills on time, no debt collectors, maybe have some savings, a good employment track record etc. all contribute to whether you're credit worthy or not. Regarding debit cards, I don't know what the cost is in the US but where I bank all my accounts are online where I pay no monthly or transaction fee with the Visa Debit card costing me $10 per year. When ever I hear about banking in the US it sounds like my own country 30+ years ago with people manually cashing their cheque given to them by their employer! good lord - that kind of crap still happens in apparently the 'most advanced economy in the world'?

Yes, there are plenty of ways of building credit, but having a credit card is an excellent way to build credit. Depends on the bank, my bank doesn't charge me anything to have a debit card - as long as I maintain a certain amount. Most people (actually everyone) I know of have direct deposit. I have no idea what you're getting it, but you have it all wrong...

Grand Master

ILikeTobacco

Posted
Posted

I believe companies, at least in the U.S., uses credit history to gauge how financially responsible a person is, and that somehow can offer them insight into how responsible a person can be in other things. This practice is common when applying for a white collar job.

Unfair, I know.

Depends on the job. People with access to things like trade secrets or accounts. Someone who is financially irresponsible or in a bad spot financially can be exploited. However, in some cases, I agree and it is unfair.

Grand Master

ANON86364

Posted
Posted

Lol. Yeah, they're great all right.

For myself, I'm proud to be debt AND credit card free! I pay as I go. Imagine that in this day and age. Delayed gratification. What a concept! The only thing I will need credit for will be a mortgage, if I even decide to buy someday. All the rest; cars, vacations, etc., I pay as I go. I tell ya, it's feels great to be off the wheel.

But for sure, you have fun with your credit cards. :woot:

 

 

A couple things:

Having and using a credit card does not automatically put you in "debt". No more debt than you have to your utilities provider every month.

There is inherent protection provided to you when using a credit card.

Paying as you go is not inherently "smart". Renting for your entire life ends up costing you more than a proper investment.

 

There's really no need to be condescending about it especially when you don't understand the basics of how credit works or how it can benefit you. I live my life pretty much pay as I go as well while using credit. I'll pay my bills, gas, groceries, etc. with a credit card and pay it off at the end of every month. I get good credit reports, free rewards, my bank statements are simpler. Why wouldn't you? It seems to me your comments are exactly the reasoning behind this trend. It's an extreme move away from the realization many kids had when they learned they could borrow without knowing it wasn't free.

Proficient

matt4pack

Posted
Posted

The fact that young Americans are ditching credit cards just shows how dumb society is becoming.  

 

So you can't manage your budget enough to buy what you can afford with a credit card and just pay it off each month?  While at the same time building credit, protecting yourself from fraud, earning free rewards, and having it in case an emergency arises where you actually might need credit.  If people really can't handle that level of personal responsibility then we are doomed.

Mentor

DeadEndAccount

Posted
Posted

Yes, there are plenty of ways of building credit, but having a credit card is an excellent way to build credit. Depends on the bank, my bank doesn't charge me anything to have a debit card - as long as I maintain a certain amount. Most people (actually everyone) I know of have direct deposit. I have no idea what you're getting it, but you have it all wrong...

 

The way the credit system is that many only report if you don't pay but there is no record of 'good payment' meaning someone could have no record because they've always paid their bills on time - which causes problems. Many businesses I know are now opting into the 'positive reporting' system where your good behaviour is reported so that when taking on a new customer there is a record of their complete history rather than just the 'bad news'.

 

Regarding the bank - for me they charge me nothing because I opt out of paper transaction summaries at the end of each month which saves me the $3 fee. Given that I can search my transactions right back to when I first opened my account with them there is no point in having them being sent out.

 

Regarding the pay cheques, it is just my impression based on what I read on line with people actually being paid with a cheque such as welfare recipients - where I live you cannot get paid via cheque when it comes to welfare or being paid at work.

 

The fact that young Americans are ditching credit cards just shows how dumb society is becoming.  

 

So you can't manage your budget enough to buy what you can afford with a credit card and just pay it off each month?  While at the same time building credit, protecting yourself from fraud, earning free rewards, and having it in case an emergency arises where you actually might need credit.  If people really can't handle that level of personal responsibility then we are doomed.

 

 

You already get that with a Visa Debit card and your accounts area already protected under standard EFTPOS fraud protection along with other protection. The only benefit you gain out of a credit card is a line of credit which for many people is too tempting to use thus to avoid the temptation they don't have it at all.

  • 3 weeks later...
Enthusiast

MandateOfHeaven

Posted
Posted

People seem to be ignorant to how credit works in the US. If you want to get electricity and water turned on, step one, check your credit. Don't have a credit history, that's fine. Just pay 2 to 3 months worth of bills as a nonrefundable deposit that never gets applied to your account. What's a few hundred dollars. Want a phone, cell or land line? That's fine to, pay another non refundable, non usable deposit. Want a buy a house, no problem, just pay a 20% down payment to qualify for a high interest home loan. Can't afford it? That's fine, just rent. But first, pay a few months rent up front, assuming they allow you to move in at all with no credit. The fact is that without a credit history in the USA, you will loss thousands upon thousands of dollars even though it costs nothing and has no risk involved to built a credit history. Fun fact of the day, get a credit card with rewards. Use it to buy everything and pay it off that same day with cash in your bank account. You never pay a dime of interest and get both a credit history and free stuff. But hey, ignore the facts, and screw yourself over if you want to remain ignorant to being a responsible adult.

 

I'm intrigued. Where do you live? I've lived in New York, California and Massachusetts, but for services like gas, electricity, cable, Internet, and a home phone , you don't need credit nor does credit disqualify a person from acquiring these services.

Grand Master

sanctified Veteran

Posted
  • Veteran
Posted

People seem to be ignorant to how credit works in the US. If you want to get electricity and water turned on, step one, check your credit. Don't have a credit history, that's fine. Just pay 2 to 3 months worth of bills as a nonrefundable deposit that never gets applied to your account. What's a few hundred dollars. Want a phone, cell or land line? That's fine to, pay another non refundable, non usable deposit. Want a buy a house, no problem, just pay a 20% down payment to qualify for a high interest home loan. Can't afford it? That's fine, just rent. But first, pay a few months rent up front, assuming they allow you to move in at all with no credit. The fact is that without a credit history in the USA, you will loss thousands upon thousands of dollars even though it costs nothing and has no risk involved to built a credit history. Fun fact of the day, get a credit card with rewards. Use it to buy everything and pay it off that same day with cash in your bank account. You never pay a dime of interest and get both a credit history and free stuff. But hey, ignore the facts, and screw yourself over if you want to remain ignorant to being a responsible adult.

 

 

Some of these post just make me laugh. Everyone in the states needs some form of credit if they want to have a successful career and life.

 

These, to me, seems for like the bleak state of capitalism you're submerged into than the advantage of benevolent credit you two seem to be promoting.

Grand Master

ANON86364

Posted
Posted

 

I'm intrigued. Where do you live? I've lived in New York, California and Massachusetts, but for services like gas, electricity, cable, Internet, and a home phone , you don't need credit nor does credit disqualify a person from acquiring these services.

 

I can vouch for his testimony, at least for where I live. When I setup an account with FPL (electric company), they check my credit to determine if they would require a deposit. The point only being that good credit has benefits and the people who don't understand this are probably the same people who don't understand how certain people get ahead of them in the world.

Grand Master

threetonesun

Posted
Posted

I'm intrigued. Where do you live? I've lived in New York, California and Massachusetts, but for services like gas, electricity, cable, Internet, and a home phone , you don't need credit nor does credit disqualify a person from acquiring these services.

 

You probably do have one, actually, it's just internal to the company. National Grid used to keep track, I only know because one roommate forgot to transfer responsibility on to the next and then their "rating" with National Grid went in the tank. It was a score reported on the monthly bill. That said, I don't know that it ever caused them any problems getting electricity turned on at their new place.

 

More to the point, I buy everything on credit. I have a card that gives me 3% back to use at my car dealership, which means that I've never paid for service on any of my cars, and I even had enough saved up to put a sizeable down payment on a car that I financed (at 0%).

 

Credit is great, if you know what you're doing.

Grand Master

AJerman

Posted
Posted

Credit cards are absolutely unnecessary. But at the same time, they aren't a terrible thing, so both sides are right to an extent. Do you know how many things I pay for that go towards my credit? All of my bills, student loans, car loan, etc. You don't need a credit card to build credit in the slightest bit, so that argument is just silly. On top of that, 99% of the time you can use a debit card in place of a credit card, only difference, you just have to already have the money. That said, if you can have a credit card and pay it regularly and on time, then they aren't a bad thing at all, and do provide additional help to your credit.

 

I don't have a credit card right now because I simply don't need one. I have my Amazon store card which is basically a credit card, but I don't have a standard VISA or MasterCard. I got hit with the recession pretty hard myself. Lost my job for a while, moved back with my parents, was broke, all that good stuff. So now I am very careful about what I spend and when. I'm not scared of credit, I have a car loan and all that, but I have no need for a credit card and my credit is recovering just fine.

 

I've built more credit off paying my student loans than I have off any credit card. They are why I had a 700+ credit score at 22 or 23 years old. Too bad it's not still there after losing my job for so long, haha.

Enthusiast

MandateOfHeaven

Posted
Posted

You probably do have one, actually, it's just internal to the company. National Grid used to keep track, I only know because one roommate forgot to transfer responsibility on to the next and then their "rating" with National Grid went in the tank. It was a score reported on the monthly bill. That said, I don't know that it ever caused them any problems getting electricity turned on at their new place.

 

More to the point, I buy everything on credit. I have a card that gives me 3% back to use at my car dealership, which means that I've never paid for service on any of my cars, and I even had enough saved up to put a sizeable down payment on a car that I financed (at 0%).

 

Credit is great, if you know what you're doing.

 

I'm actually living in Massachusetts now. National Grid never disqualified me from getting services even though I did have bad credit a few years back, nor did they report me to the credit bureau when I made payments late. The only time it'll show on my credit report is if I fail to pay a bill for maybe 3-4 months, then it goes to collection which would show on the credit report.

Grand Master

+LogicalApex MVC

Posted
  • MVC
Posted

You already get that with a Visa Debit card and your accounts area already protected under standard EFTPOS fraud protection along with other protection. The only benefit you gain out of a credit card is a line of credit which for many people is too tempting to use thus to avoid the temptation they don't have it at all.

 

Not in the US. If you report it slower than 2 days after the incident you're liable for $500...

 

Additionally the money you may need for bills is tied up in an investigation. My CC doesn't have these issues...

 

http://www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards

 

Credit cards only are a problem for the undisciplined, but these persons have the same issues in an all cash environment. They will still be floating check to check.

Grand Master

ILikeTobacco

Posted
Posted

I'm intrigued. Where do you live? I've lived in New York, California and Massachusetts, but for services like gas, electricity, cable, Internet, and a home phone , you don't need credit nor does credit disqualify a person from acquiring these services.

Nobody said anything about being disqualified for getting service. They still give you the service, you just have to pay a deposit for the service. When I got the water turned on at my new apartment a few months ago, they ran a credit check without even asking, then said I had to pay a $100 deposit to get the service turned on. The sad thing is, the 3 major credit companies all have me with a 700+ credit score but the water company claimed when they ran it, it was only 540 because they checked my credit from a state company, not the national ones. Of course its all about making an extra buck, however, that is not abnormal practice to check your credit for anything that requires a monthly bill.

Enthusiast

MandateOfHeaven

Posted
Posted

Nobody said anything about being disqualified for getting service. They still give you the service, you just have to pay a deposit for the service. When I got the water turned on at my new apartment a few months ago, they ran a credit check without even asking, then said I had to pay a $100 deposit to get the service turned on. The sad thing is, the 3 major credit companies all have me with a 700+ credit score but the water company claimed when they ran it, it was only 540 because they checked my credit from a state company, not the national ones. Of course its all about making an extra buck, however, that is not abnormal practice to check your credit for anything that requires a monthly bill.

 

What state/jurisdiction do you live in?  I've had bad credit up until a few years ago, but the utility, cable, and home phone companies never asked for a deposit at all.

Grand Master

ILikeTobacco

Posted
Posted

What state/jurisdiction do you live in?  I've had bad credit up until a few years ago, but the utility, cable, and home phone companies never asked for a deposit at all.

So far, had similar experiences in Kansas, Florida, Oklahoma, Mississippi and New York. These are all for apartments mind you so it may differ for a home owner since they had a major credit check just to get the house.

Enthusiast

MandateOfHeaven

Posted
Posted

So far, had similar experiences in Kansas, Florida, Oklahoma, Mississippi and New York. These are all for apartments mind you so it may differ for a home owner since they had a major credit check just to get the house.

 

Maybe that's why.  Four out of the Five states are red states, which tends to allow greater personal and economic freedom than blue states like Massachusetts.

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    • AI is indeed eliminating jobs, and Oracle just proved it

      By macoman · Posted

      I forgot to add on my comment that when robots will take physical jobs, it's when they become more cheaper to manufacture and sell. That will be the starting point of the end to lanscaping, trash pickup, factory jobs, etc.
    • Valve finally confirms Steam Machine prices, starts at $1049 for 512GB option

      By Snake Doc · Posted

      How many people can actually use a 2.5gig ethernet port? Most people do not have more than a 1gig internet connection, heck most have less than that. Most people at home do not have a switch that has multiple 2.5gig ports either.
    • Vantrue knocks up to 38% off two of its newest Dash Cams for Prime Day

      By Steven P. · Posted

      Vantrue knocks up to 38% off two of its newest Dash Cams for Prime Day by Steven Parker Vantrue reached out to us here at Neowin saying they have a couple of dashcams with deep discounts during the Prime Day Sale. First up we have the Vantrue N4 Pro S that received a mega 36% off its normal MSRP of $419.99 (buying links below). Here are a few of its highlights: Flagship 4K 3CH Dash Cam w/ Triple STARVIS 2: Vantrue's flagship N4 Pro s Dash Camera features 4K+2.5K+1080P /30FPS 3 channel recording powered by Triple STARVIS 2 sensors. Dash cams deliver 155°+160°+165° wide-angle coverage for complete blind-spot-free protection. Whether navigating city traffic, monitoring passengers, or capturing scenic views, this professional-grade car dash camera ensures smooth, detailed footage day and night. Night Vision 4.0 & License Plate Recognition Unleash superior clarity at night with 360 dash camera for cars. Powered by PlatePix tech, dashcam combines 3 STARVIS 2 sensors (enhanced low-light sensitivity) and triple HDR (balanced exposure) for 2x higher license plate accuracy in dimly lit nights or intense backlight. Experience unmatched performance on nocturnal drives, where the system captures clear, readable license plates of vehicles traveling at speeds up to 31mph. Flexible 360° Rear Camera & Front+Rear Recording Modes: The rear dash camera features a 2.5K STARVIS 2 sensor with 360° rotation, enabling seamless traffic or trunk monitoring. Switch to Front and Rear mode (4K+2.5K) to prioritize road recording—this dual-channel mode reduces heat by 30% and saves power compared to triple recording, ensuring 4k dash cam cooler operation and 24/7 reliability even in summer. Captures clear, readable license plates at speeds up to 31mph on lit streets at night. 24/7 Protection with Buffered Parking Mode: Gain round-the-clock security for your parked vehicle with reliable dash cam 3 channel system. Buffered motion and impact detection ensure events are captured from 10 seconds before they occur. All three cameras remain active in parking mode, providing comprehensive surveillance while efficient recording maximizes storage. To activate parking modes, a hardwire kit (sold separately) is required for permanent connection to your vehicle's fuse box. 5G WiFi, Precision GPS, Voice Control: This advanced car video camera dash cam maintains a stable connection to your phone. Its 5GHz WiFi ensures lightning-fast video transfer, making downloads a breeze. The built-in high-precision GPS tracks your route, speed, and location—providing vital data for any incidents. Control settings hands-free with simple voice commands like "Take a photo," keeping you focused on the road. Loop Recording & Super Capacitor & up to 1TB Support: Dash cams revolutionize convenience with loop recording featuring 1/2/3-minute segments. When memory is full, it automatically overwrites older footage. Engineered for reliability, its robust super capacitor withstands extreme temps(-4°F to 140°F), guaranteeing uninterrupted operation even in scorching sun. Expand storage with up to 1TB microSD support, enabling 37+ hours of continuous 4K triple-camera recording (front+inside+rear). VANTRUE Memory Card Recommendation: Note: Dash cam does not include an SD card. Avoid using low-quality memory cards to prevent the camera from malfunctioning. We recommend using VANTRUE industrial-grade microSD cards, which offer longer lifespan (over 3 years) compared to consumer-grade. VANTRUE memory cards are rigorously tested specifically for dash cam recording to ensure optimal performance. Available on Amazon in 64GB, 128GB, 256GB, and 512GB capacities to suit your storage needs. So marketing jargon aside, what do you actually get? What's in the box? N4 Pro S Dash Cam, Rear Camera, 20ft rear camera cable Charging Cable Installation Tool Car Mount Quick Guide Vantrue also claims it is easy to install and comes with an 18-Month Warranty, 24/7 email support, and a 100% satisfaction guarantee. The Dash cam is said to also receive regular firmware updates for continuous improvements. With the 20ft rear camera cable, it is versatile enough to fit most vehicles, including cars, SUVs, minivans, trucks, and buses. Vantrue N4 Pro S for $269.99 (was $379.99) 36% off its MSRP of $419.99 No code required. Discount expires on June 26. Vantrue N4S (2026) Next up, there's an even bigger discount on the new (2026 edition) N4S Dash Cam. 2026 New 3-Channel Dash Cam & 360°Coverage Equipped with triple STARVIS 2-powered sensors, the Vantrue N4S dashcam records in super HD clarity: 2.7K front + 1440P interior + 1440P rear.Its 158° front, 165° cabin, and 160°rear wide-angle lenses eliminate blind spots, while HDR and PlatePix technology deliver sharp details and license plates day or night. This dash cam for cars is perfect for rideshare drivers and daily commuters. Night Vision 4.0 & High Temperature Proof Powered by STARVIS 2 Tech, the N4S dashcam for cars enhances light sensitivity and dynamic range in extreme low light. Triple HDR balances harsh contrasts—like headlights against dark roads—while PlatePix sharpens license plates by 2X, capturing crisp, identifiable footage on dark streets, in tunnels, or garages. This New N4S dashcam's supercapacitor design withstands extreme temperatures(-4℉ to 140℉), ensuring stable operation—safer and greener. Easy to Install & 360°versatile Rear Camera Set up effortlessly with our magnetic GPS mount, static cling film, and cable clips. Everything is tool‑free for a clean, wire‑hidden installation, and the mount stays stable on any drive. The rear camera rotates 360°, letting you monitor rear traffic or pivot it inward to keep an eye on cargo, luggage, or pets inside the vehicle. Versatile coverage whenever you need it. 24/7 Smart Parking Mode for Peace of Mind With 4 proprietary parking modes, the N4S 3-channel dashcam for cars lets you customize your protection. Motion detection triggers 10 seconds pre-event recording to capture full event. Collision detection auto-locks footage on impact/collision. Low bitrate/frame rate modes extend recording by reducing file size. Whatever the hour, your vehicle is always protected. 5GHz Wi-Fi & Support up to 1TB SD Card Access and download footage instantly with high‑speed 5GHz Wi-Fi. No need to remove the memory card or wait for transfers—critical clips are ready to view or share in seconds. This dash cam front and rear supports up to 1TB microSD cards (sold separately), giving you ample space for long trips or continuous loop recording. OTA firmware updates ensure your dashcam stays current with the latest features and improvements. So, again, aside from the marketing fluff mentioned above what do you actually get? What's in the box? Vantrue N4S Front and Inside Dash Cam x 1 Rear Camera x 1, Rear Camera Cable (20ft) x 1 Transparency Program card (with digital setup guide) x 1 Car Charger(11.5ft) x 1 USB Data Cable(3.3ft) x 1 GPS Adhesive Mount x 1 Crowbar x 1 Quick User Guide x 1 Electrostatic Stickers x 2 Spare Bracket Base Cable Clips The 2026 Edition of the N4S lets you track your journey with quad-mode GPS + BeiDou positioning. Experience supposedly faster satellite acquisition and reliable logging of your speed, location, and time in any environment. For rideshare or road trips, you can also trust the N4S dash cam front rear and inside cameras as your reliable co-driver. Like the Vantrue N4 Pro S, it is also backed by 24/7 support and extended warranty for complete peace of mind. Vantrue N4S (2026) for $174.99 (was $249.99) 38% off its MSRP of $279.99 No code required. Discount expires on June 26. Good to know This Amazon deal is U.S. specific, and not available in other regions unless specified. We only use first-party seller links (at the time of article publishing); ensure that you purchase from a first-party seller link only. Check out Today's Deals on Amazon | or our recent tech deals. Become a Prime member (for Students or SNAP) via Neowin Get Prime Access - Prime for half price (for qualifying Medicaid, EBT, SNAP) Subscribe to Prime Video, Audible Plus, Music Unlimited or Kindle Unlimited via Neowin As an Amazon Associate, we earn from qualifying purchases.
    • Why you need to take back control of your synced passwords and how to go about doing that

      By +Good Bot, Bad Bot · Posted

      The concern of this article is not getting "hacked". No one is taking over my Google account and anyone that was is far away from self-hosting their passwords. It was about your big tech account of choice deciding to reduce features or getting out of the password manager business altogether. Bitwarden (or say Proton) is professional security company offering opensource solutions. They are going no where and one can easily download or export their passwords to another password manager service regardless. They again also offer self-hosted option. I doubt many people were sold on this solution based on the write up. The author had a number of warnings and caveats themselves. A local, self-managed solution is not for 99% of users.

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