best cash-back credit card?
Posted By: sm on 2007-06-16
In Reply to:
We've been using the GM card to get new cars for less, but i'm open to a different card that rewards general purchases, food, gas, apparel etc, with cash back. Any recommendations? thanks!
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DH paid off credit card. Now I'm paying him back. No
nm
Have U renogiated credit card debt when minimum payment got too high? Do they take your card away,
s
Why does closing a credit card account negatively affect your credit report
Especially when I never use it anyway, and really never wanted it?
With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...
So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.
Huh?? Why is that?
Credit Card Reform Can Cost Good Card Users
Part of article:
Credit cards have long been a very good deal for people who pay their bills on time and in full. Even as card companies imposed punitive fees and penalties on those late with their payments, the best customers racked up cash-back rewards, frequent-flier miles and other perks in recent years.
Now Congress is moving to limit the penalties on riskier borrowers, who have become a prime source of billions of dollars in fee revenue for the industry. And to make up for lost income, the card companies are going after those people with sterling credit.
We pay off our balance every month. If they do this (punish those who have sterling credit) Ridiculous!! I'll stop using my CC and pay by cash or check.
So much for reform.
Credit card (SM)
There was information about credit cards and interest rates going around late last year/early this year. Basically, from what I understand with the new bankruptcy law this was attached to it. The credit card companies can and will charge you and me whatever interest rate they want to, and the only thing we can do is cancel the card and pay off the balance. There were these little inserts with your statements that many of us just throw away and never think about it. But I did read the ones that were sent with several of my statements, and I kindly told them to keep my rate where it was and I canceled the card. Sad but true. 
About my credit card
I owed close to $10,000.00 about 2 months ago on my credit card and called to make sure I sent the right amount as paying it off. After I paid in full, they also sent a "finance charge" for around 35 to 40 dollars. I paid that but have discontinued using that card. I have another card, used during Christmas, interest about half of the other one and getting that paid off before long also, just sent $500.00 towards that yesterday. I on the first had asked for payoff amount but the finance not there when I asked.
credit card
I've not had personal experience, but I know to be wary of some of those companies that advertise. I saw a financial advisor on the Today Show and she said to make sure you go with Consumer Credit Counseling; maybe there's a link on the Today Show website. Good luck!
Pay off our credit card
And with the little we'd have left just put it in the bank
credit card debt
Not sure what will happen, but I do wish you luck. Credit card debt is an unsecured type of debt. I don't know what more they can do to you other than a judgement. Not sure you can put that under a bankruptcy either once the judgement has been placed. I know a lawyer that handles a lot of bankruptcies -- did some work for him. He always asked his clients if late payments had gone to judgements. If they had not gone that far he was pleased about it. I guess it made things easier legally. Not really sure.
I use my credit card!!!! Priceless!
Actually it was an expired one. Hubby laughed. I use Dawn Power Disolver in the blue bottle. Works wonders. Then IF I have to scrape I have used the credit card of course, but fine metal spatula or a razor, but I use one of those like you scrape paint with that has the handle like an ice scraper.
Did anyone's credit card payment any go up
seems chase is changing policies on their credit card holders. charging 10 service fees if you want to keep your promotional rate. also doubling minimum payments. Didn't they have financial problems in 2008?
The credit card companies are going
to be do everything they can get away with in the next year because of the new rules that will go into effect in 2010. Keep an eye on your interest rates. I have a couple that went up for no apparent reason. I called them immediately. One company lowered my interest rate below what it had previously been. The other did not, and I paid it off and did not use it for a while. They sent me a notice a recently that my credit limit had been increased and the rate had been reduced (back to what it had been previously, of course).
The link below has a synopsis of the new rules that will take effect next year.
Nope. Usually, we use the credit card...
just because it keeps my husband and myself from seeing how much was spent and where until after Christmas (we both frequently check the bank account online). This year, though, the one positive thing about my husband being in Iraq is that I did not go crazy with Christmas like I usually do and I explained to all the extended family that I was not buying much for anyone except my son. Thus, no debt this year, although we always pay it off fairly quickly. I think the highest my credit card has ever been is $700.
Don't use them myself, but my MIL uses her Discover for the cash back. nm
!
Not so much by unknowns but by my own credit card companies,
all foreign people, trying to sell me the credit protection. The last one called me for around 10 days straight (unknown # on the ID)until I finally answered! I told them all to put me on THEIR "do not call list" or I'd cancel the card. Seems to have worked. ;)
To restore credit, get a card that is pre-paid and use that
s
Be very careful about credit card payments
I just paid off my Visa to the tune of over 7,000.00. This was what was posted but did not take into consideration the interest charges put on- I got a bill for $1.50 so I thought ok will send that in, I was a day late- (no excuse, just overlooked) and they had put my interest- get this from a low 10 to 117.16 for that month- now what would happen if I owed a REALLY BIG amount- I would never get that paid- how it worked out was I owe them now $15.59 which I think will pay before time. Just be aware, folks! These folks are ruthless....
credit card debt relief
Does anyone have any experience with those companies claiming to reduce debt by up to 70%, etc. ?? I'm drowning in debt. :(
Credit Card Debt Counseling
http://www.cccsatl.org/index.asp?_method=view&sc=43&cn=486&md=debtmanagement
Here's what you want to use... It is called Consumer Credit Counseling Services. They are legit. Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office. I don't know what state you're in or if there is an office local to you, but it looks like you can do this online.
We did it, completed it, and it was great. However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then). Once you join, there are no more credit cards. What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked. You then make one lump payment to CCCS and they disburse the money. They also take into consideration your income. I think that's what makes it all work. Also, this is what tells them how long it will take to pay off the debt. Just beware though that if you are "behind" on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won't accept CCCS's offer.
Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance. We make regular payments.
All in all, it's a great plan and it does work, but you no longer have credit cards (they close the accounts), and you will have a "bad mark" but yet a good mark on your credit report for using CCCS. Check with them about that though, as I do not know the specifics. It is way better than bankruptcy...
Hope you find some relief soon! My thoughts are with you... I'm not judgemental because I've been there and done that. 
Credit card Washington Mutual/Providian
Get this, I haven't used my Providian/Washington Mutual credit card in quite awhile. I got the new credit card in the mail to take over for the old one, and I thought I would give the company a call to find out what the interest rate was on it. So after reaching India of course, I asked for someone in the United States, was put on hold for 4 1/2 minutes and then disconnected. So I call back, go through the 15 prompts and get someone from the Phillipines. The interest rate on my card is 31.8% Yep you are reading that correctly - 31.8%.
I am passing this information along because I am livid at the fact that the interest is 31.8% (which, by the way, neither person on the other end of the phone said "let's see what we can do to lower this.), and because TWO countries have this credit card's business and people in the US are working 2-3 jobs to make ends meet. I know this has been an ongoing discussion about offshoring, but I was more angry at the fact that it is 31.8% and that no one offered to lower the rate, even after inquiring about it.
OMG! I worked at a hospital where the ID badge was credit card
Yes, I totally understand! It is easy to get caught up in the moment and you think, oh, it is only a few dollars. Lunch would be more than I really could afford because I'd charge it. And the bargains at the gift shop (yeah, right!!!).
Could you get a loan from a low interest credit card perhaps to pay off the 2500?
credit card debt lawsuit question
If there is anyone out there who has been sued and had a judgment placed for credit card debt....
What happens when you go to court?? I don't own a house and live week to week (part-time IC, not very supportive husband) so they can't get blood from a stone so to speak. But I was wondering if anyone has gone to court and what actually happens.
credit card debt lawsuit question
Anyway you can declare bankruptcy, chpt 7? I am going that route. :(
Do you have a lot of monies owed where bankruptcy is a real possibility?
I'm going through a similar time......talk about stress!!!!!!!
I hope you got her arrested for credit-card theft
*
There is a free version of Efax that does not require a credit card. sm
Are you needing to fax out, in, or both? You didn't clearly state, but said you needed a number. I receive faxes for free through efax, but haven't sent any that way. Never have I given them credit card info. Check out myfax.com.
This happened to me with a credit card, bought a printer and they never charged me for it on my stat
All of a sudden my card was canceled and the amount sent to the collection agency. They said I knew I bought it and should have sent in payments, even though it never appeared on the statement.
Welcome back card to Hilton
Dear Hilton:
We are so happy to have you back. We heard about your rash. We think this poem will help. Post it above your cell toilet:
If you're here to have a sit -
stand on the seat.
The crabs at Lynwood Jail
can jump ... three feet!
I just got back from buying a sympathy card for my brother's MIL, glad I did now. nm
x
IMO a card would not be out of order at all. Except a sympathy card, of course.
I totally agree a sympathy card wouldn't quite be the thing, but it sounded to me that the original poster of that idea didn't mean a sympathy card like one for death. I think sympathy in the sense of "hey, you had a rough time of it with this birth, and maybe things haven't been the way you imagined, but know that I'm thinking of you and I'm here if and when you need me."
I got PPD when my breastfeeding relationship didn't go right, following a birth plan that went seriously awry, and the reality of a fussy, picky baby instead of the happy, sleeping one that I had imagined.
I *did* spend a lot of time on the phone, but then everybody's different. I would have loved to get a cheerful card from a friend, however. Does anybody NOT like a card?
cash cab
Anyone out there enjoy The Cash Cab on the Discovery channel featuring Ben Bailey?....Just found this and I'm an avid armchair player...I'd probably freeze-up in the cab.
dsc.discovery.com/fansites/cashcab/quiz/quiz.html
cash cab
I caught that several months ago and liked it, but could never find when it came back on - when is it? thanks, I'll look forward to watching it, there's such junk on T.V.now I can't stand to watch!
I would not cash it out. If he wants it so -sm
bad let him cash out one of his, but you will have to pay penalties for early withdrawal as well as taxes on the money. Go get a car loan at one of those dinky used car lots, we have something called DriveTime here that says "everyone" gets approved. Plenty of people trying to sell cars and make a sale, just get a loan and keep your money in the bank. My husband insisted we get rid of my Suburban this April (of course then gas plummetted) though it still ran good at 230K miles, had some cosmetic issues inside and a few dinky problems but ran great (had no engine issues). His parents insisted on loaning us the money though we were just going to get a car loan. So we borrowed $14K, got a 2004 Trailblazer at Carmax with 42K miles, and had been paying them back at $650 or so a month when they "forgave" us the balance of the loan ($10K) as a Christmas gift (they gave my BIL $10K a few years ago for his house downpayment, guess they wanted to even things out). Granted not everyone's parents or in-laws can act as a bank, but if your's can you can always ask for a loan (and put it in writing if necessary--we did not as they knew it would not be an issue). My in-laws are very tight with their money so it was a complete surprise for us, and obviously greatly appreciated. We have had a lot of bad karma lately so I think they were just trying to be helpful, that and even things out between the brothers.
We used mostly cash
I think I may have used credit just once for something that was more expensive. We did try to spend less than usual this year.
I used cash.....nm
ss
cash only
We used cash only and spent a little more this year as we bought little gifts for everyone. Dh has a PT job making deliveries and he got tips at Christmas time that more than covered Christmas.
You should be able to cash the check at...
their bank as long as you have ID. They don't have to tell you if there is money there; if they can't cash it, you'll know. If not I'd go in tomorrow or Friday. Good luck
times for cash cab
6 pm and 6:30 pm EST and Cash Cab After Dark at 11 pm EST on Discovery Channel....Enjoy the game!
If there's ever a Cash Cab marathon...
I'm callin' in sick!!!
My daughter (21) and I play along and we complement each other's knowledge very well (baby boomer vs college-educated LOL) and we would SO be rich!! I think if we happened to get lucky enough to catch the Cash Cab, we'd say...Take us to Boston!!! haha!
... but I think Ben is a little scary ;-)
you can't go wrong with cash! nm
Try to catch a ride on the Cash Cab.
e
Try to catch a ride on the Cash Cab.
dfas
Well, for one thing, Cash Cab in a mini-van, not a car.
asdf
We, too used cash this year as we have for about the last 10 years . . .
glad, too, because the work load always crashes right after the holidays for a few weeks and at least I don't have that extra headache right now . . .
We paid cash, spent about
$1000 total for grandkids and gifts for each other. We are debt free except our house. There is nothing like being able to sleep well at night and not be afraid to answer the phone should it ring. We have lived this way for many years, have learned to save money, pay cash for what we want. This has been to our benefit as we haven't had our CC companies drop our limits or increase our percentage rates at all; in fact, our limits keep rising even though we only use them once or twice a year. The thought of having to pay for something many months and years later is baffling to me.
This is my way of making some cash on the side...sm
I can sew and I love making cute crafty things. So this is a purse I made. I put it on ebay. We'll see if it sells. Give me ya'lls opinion please.
I hope you have a receipt for the cash - sm
she may be nuts enough to take you to small claims court over the $300 saying you were quoted X dollars and did not pay her husband. Though he might have to be the one to actually bring the lawsuit since he did the work, though she might talk him into it. I also hope you had a written contract as well in place, always pays to cover your butt in these situations. She is obviously desperate for cash (is she not eligible for unemployement?) or having contractor remorse for hiring out her hubby and thinks he short-changed himself and that you took advantage. ----- When I first started reading this I thought it would be, oh I hired a friend's husband, he did a lousy job, we don't want to pay him....that sort of thing. Glad it was not that, seems like you we happy with the work, paid for it as agreed and that was it, then the wife/friend got involved. My DH is not one to haggle or overcharge for anything, gives away his help on big things, and it drives me nuts, so I normally handle that sort of stuff though it is rare for us. We do a lot of bartering on my road, you scratch my back, I will scratch yours sort of thing, from helping start cars to fixing TVs (my DH has saved our one neighbor mucho $ fixing their TV a couple of times). If we cannot repay the favor we either pay in cash or beer, though not so much in beer anymore as the one couple we do this the most, his wife wants cash though the husband is the one doing the work, so to not make waves we usually give him cash depending on what he did for us. He will do car work for me when I cannot get my DH to do it, I pay him for that. But little stuff like moving something we trade favors on. ----I hope she does not become a huge problem for you.
I would give $100 cash and leave it at that- sm
if you can afford a little more and think $100 is too cheap than do so--I certainly would not go over $300 though. If you don't want to do cash then give a gift card to a store you know they like. I think it is ridiculous for a kid (or parent) to expect a gift for graduation. I would just send a nice card. Kids (and some adults) are way too entitled these days and expect everything just given to them. If you do end up buying something engraved make sure is is something that will actually get used and not tossed out by the kid. They might use a keyring for that nice new car he/she has.
Do any of you do online surveys for cash or prizes?
I've done a few surveys over the last few days, and was wondering if this kind of thing is really worth my time.
Then they can get right back on their tires and rafts and float on back to Cuba! nm
nm
Back-to-back black swans that look like (sm)
a giant moustache. My MIL painted it for us and put our last name on it and my DH nailed it to an outside storage room door. It looks ridiculous, and when the kids have other kids over they always ask why we have a giant moustache on our door!
Hayseed was back a few weeks back
But we haven't heard from her since. I miss her too. I hope she's doing okay.
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