I'm thinking I want to get an AMEX. Dunno though.
What's holding you back?
Subliminal advertising thread?
^_^
None, I use a Visa check card. If I don't have the money, I don't spend it.
I used to be like that, but I decided it was probably a good idea to have more than one card on me. Case in point: This past Saturday I lost my credit card at the bar.
Also, if you're not an idiot with your money, then the "don't spend it if I don't have it" point is moot. You can use your credit card responsibly; keep track of what you're spending, and pay it off in full at the end of the month. If not using a CC works for you, then that's awesome... just saying that you could do it if you wanted.
I miss that feature, which MC card is it?
Shens you have a Cent card
I'm thinking about Amex Platinum this year because we're going to travel a lot. But I want a promo with the 100k MR points bonus and/or the annual fee waived. So far, Amex has been unwilling to do that for me on the phone, saying they can't activate the promo without the RSVP code from the targeted mailer. And I know I threw at least 2 of them away, thinking I'd never want a card that cost $450 a year.
Now I'm traveling with a baby and will definitely use up the $200 airline fee credit just checking bags of random shit, would probably use the lounge since we have to plan ahead and get to the airport ass early just in case, and the bonus points would certainly be worth the remainder of that annual fee.
And then I'd probably convert it to a $25 A/F Zync to not lose my rewards points in the 2nd year. Maybe that's why they don't want to give me the bonus. They already know.
Honestly, just try posting it about it on their twitter. Chances are you are more likely to get taken care of there.
I just have my Debit Card and a Visa from my Credit Union, 1.5% off all purchases, 5% off on gas. Meh, whatever, I don't spend enough money to bother with anything but the Gas.
That is actually really really nice, I've never seen discount straight up, it's always "Rewards" bullshit. And 5% off gas is HUGE.
If no annual fees, I'd switch to that card in an instant.
That is actually really really nice, I've never seen discount straight up, it's always "Rewards" bullshit. And 5% off gas is HUGE.
If no annual fees, I'd switch to that card in an instant.
My sentiments exactly, give me an instant or cash rebate 5%, no points BS.
If you shop at Target B&M or Target.com frequently, I would highly recommend their store credit card:
http://www.target.com/redcard/benefits-target-rewards
No annual fee
Free shipping at Target.com
5% instantly and immediately at cash registers <------ my wife and I love this
Was looking at that card and it looks intriguing but I'm kinda hesitant about the fraud protection/charge back ability of this card mentioned in some slickdeals thread.
5. UNAUTHORIZED USE If you notice the loss or theft of your Card
or a possible unauthorized use of your Card, you should write to
us immediately at:
Target National Bank
c/o Target Credit Services
P.O. Box 1581
Minneapolis, MN 55440-1581
Or call us at:
1-888-755-5856 for Target Visa Credit Cards
If you notify us by telephone, you agree to confirm your notification
in writing. You are not liable for unauthorized use of the Account.
You agree to assist us in determining the facts relating to any
theft or possible unauthorized use of your Account and to comply
with the procedures we may require for our investigation. All
Cards are issued by us to you and you must return or destroy your
Card if we request you to do so.