Cards

Posts Tagged ‘cards’

Which credit card is best for air miles?

We have excellent credit. We are building a house and my daughter that just finished collage to be a CPA keeps telling me that she pays for everything with her credit card then has one big bill at the end of the month. She earns points.
She says we should do the same.
I look at the different cards and don’t know which one would be best. We would pay the balance off with each statment. US air has already sent us one with some miles on it. I also have a Delta Gold offer with quite a few miles in there offer.
Please help I need to order somethings and keep putting it off because I want to get the points and dont’ know what card it going to work the best.

sandy

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What credit card gives back the best benefits?

I’m looking into getting another credit card that gives the best CASH BACK compared to all the others. We have cards that give us 1% back on all purchases, but I want something with better rewards. We have an American Express and it gives good cash back 1% to 3%, but is there a Visa card that gives equivalent rewards to the American Express?

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Your Best Travel Rewards Credit Card?

I was thinking of getting more rewards through a travel rewards credit card. I was also wondering what is the best travel rewards card that offers more with less risk and restrictions such as expired points, etc. I was thinking of getting the Blue Sky Travel Card from American Express. Basically, what offers more for your money spent, in terms of travel?
I’ve tried researching some but it’s way too many cards out there to compare all of them. So thanks and I’d appreciate any experience you share by using the travel rewards (Was it as easy as redeeming your points or did you have to go through layers of customer service reps, etc?)
And travel can be either flying, sailing, or both. Thanks, again!

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Did you know that merchants are not allowed to ask for ID when using credit cards?

Contrary to popular belief, it’s not illegal but against Visa policy to require ID for acceptance. In other words, you CANNOT deny a sale because I refuse to show ID.

Visa’s official statement:
Some customers write “See ID” or “Ask for ID” in the signature panel, thinking that this is a deterrent against fraud or forgery; that is, if their signature is not on the card, a fraudster will not be able to forge it. In reality, criminals don’t take the time to practice signatures: they use cards as quickly as possible after a theft and prior to the accounts being blocked. They are actually counting on you not to look at the back of the card and compare signatures—they may even have access to counterfeit identification with a signature in their own handwriting. “See ID” or “Ask for ID” is not a valid substitute for a signature. The customer must sign the card in your presence, as stated above.

How many of you knew that?
Visa official statement from merchant agreement:

Although Visa rules do not preclude merchants from asking for cardholder ID, merchants cannot make an ID a condition of acceptance. Therefore, merchants cannot refuse to complete a purchase transaction because a cardholder refuses to provide ID. Visa believes merchants should not ask for ID as part of their regular card acceptance procedures. Laws in several states also make it illegal for merchants to write a cardholder’s personal information, such as an address or phone number, on a sales receipt.
Banja, it’s not for my protection. How is it protecting me when I give a random stranger access to all of my personal information?

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Any information on Bank of America Visa Gold credit card?

I am 23 and looking to get my first credit card. I’ve never had one before, and I’m trying to compare rates, fees, etc. Someone recommended that card (Bank of America Visa Gold) as a good credit card. Does anyone have any knowledge of it or other better cards for someone trying to establish a credit history?

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personal experience credit card owners only please or someone who works in the industry?

Hello, I have posted a question before but did not receive the answers I needed. This will be my first time applying for a credit card. I am very interested in MasterCard and I have visited their website and viewed all of their cards that are provided. With the huge selection and after comparing all of the cards I still cannot figure out which one is the best over all?

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Which Credit Cards have a 0%balance transfers for the first year?

I am in a slight amount of debt ( 4,000 on two cards)
I cant deal anymore with 23% apr!! i havent even spent 8,000, i just am paying all these finance and interest charges…any ideas what I should do? Which credit card is best to transfer this balance so i can pay it off with 0% apr in 1 year?

What credit card offers the best deal with respect to converting money spent on hotels into airline miles?

In August and September I will be staying in hotels for work. I am looking for the best opportunity to convert the money spent towards airline frequent flyer miles. I know some cards, at times, offer as much as 3 miles per dollar spent. Does anyone know of any good, curent offers? Thanks.

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What is the best credit card (see below for specifics)?

I have excellent credit.
I want to have a card that has a good, secure website for billpay and management.
I would like a good interest rate for transfering a balance from my other card.
I want a good permanent interest rate.

I have a capitol one card now and I hate it. I never lets me use the online bill pay and my brother has had multiple problems with his also.

I received an offer from my insurance company for a visa that has a 2.9% balance transfer rate until Oct. 2009, and a permanent 9.9% interest rate on purchases. It also has online account management and does not have an annual fee.

Does this sound like the best offer or do you know of better ones or cards you are really pleased with?

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Wanna know how to get a 0% APR car payment?

Listen here, are you sick n tired of paying that 7% every month going straight to the car dealer. Get this, use all the financing out there to get a 0% APR financing. I just recently purchased a 2007 vehicle and im paying 5 a month. But this is interest free.. I also received a 0% APR financing credit card for a year. Guess what i did.. Put it on the card, and pay off the card as much as possible. Get this the credit card rate after that is only 6.5%. So even if i cant pay it all off, im still paying less. But here is the real trick, i get these 0% cards pretty regularly, dont you? Guess what im gonna be doing by 10 months from now. Paying off my first credit card with this second one. Now i have another year, interest free! I have no doubt ill have this car paid off in full interest free in 3 years tops. If you dont have great credit, then this might be difficult, but talk to your parents if your young enough, they can back you. It works! dont pay interest ever again!