Credit Cards

Though I generally don't keep a balance on credit cards, I guess I figure everyone should have 2 active cards. I'm getting rid of one to get another and sorting through the zillion formerly junk mail credit card offers to try to figure out if any are better than any others, aside from the obvious interest rate and credit limit considerations.

What kind of cards do yall have, what features do you care about, and does stuff like purchase points actually amount to anything over the long term? Do you value goofy pictures or sports team logos on them? Have you ever used your card's purchase protection or any of that kind of crap? What's the best rate you have or have seen?

 

Having a second card saved my ass in Vegas. Y'all might remember my credit info got stolen two weeks ago just before I left for Vegas. After PROMISING to have a card overnighted to my hotel my credit card company completely let me down. I called the day it was supposed to arrive and they told me to wait another day that it had been sent express to my alternate address. I called the next day and they said they had changed their mind and sent it to my house, of course without informing me.

So, there I was stuck in Vegas with only a low limit alternated card. So I called that company and got my limit bumped and am now going to cancel my primary card because they are a piece of shit company. Don't use Chase!

Shameless plug: I recommend MBNA or BofA :xyzthumbs

 

crdit cards are the devils work

 

[photoguy/]They're a valuable tool when used responsibly.[/photoguy]

 

takes this shit to davew's shitty-ass sportstalk forum

 

I've got a Citibank and a Sears, both are Mastercard. My bank debit card comes in mighty handy for petty stuff.

 

I got a Chase and an American Express Gold. The Chase has 5,000 limit and the A/E has no pre-set limit but I am sure they would stop me if I got too carried away. I also got a Capitol One that I put up on the internet that has a 300 limit so if the number gets stole or whatever I ain't got too many problems. The A/E has saved my butt many a time and I use it a lot out of town. I got all the major oil companies too for gas and beer and whatnot's. If I had to keep just one though it would be the A/E.

 

Have AMEX Delta card and one other. Went and pulled my credit report and cancelled all the damn department ccards the wife has received over the last couple of years. Two cards are my limit but only one can fuck you if you're not responsible.

 

It's that "responsible" thing that gets me. I assume when people say responsible they mean that you should pay the bill. If you borrow money from someone you should pay it back. To me, that is just respect and common sense. Being "responsible" is for when you own something.

 

We have a debit card and one credit card. Credit card is paid off every month.