Smith & Wesson Forum

Go Back   Smith & Wesson Forum > General Topics > The Lounge
GenBiz

The Lounge A Catch-All Area for NON-GUN topics.
Keep it Family Friendly. See The Rules for Banned Topics!
PUT GUN TOPICS in the GUN FORUMS.


Reply
 
Thread Tools Display Modes
  #1  
Old 10-12-2015, 01:31 PM
culito culito is offline
Member
 
Join Date: May 2007
Posts: 108
Likes: 138
Liked 28 Times in 21 Posts
Default Best credit card?

The service i've been receiving from my credit card company is making me look elsewhere. I have been with them 15 years and it's time for a change. Who is the best? Who has the best points program? Thanks!
Reply With Quote
  #2  
Old 10-12-2015, 02:20 PM
hoc9sw hoc9sw is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Mar 2014
Location: Texas
Posts: 2,890
Likes: 1,635
Liked 3,127 Times in 1,325 Posts
Default

There are many "best" companies, depending on what you want. I have heard frequent analysis of cards by folks like Consumer Reports. You'll need to look for one of those reports. It is worse than a caliber discussion
Reply With Quote
  #3  
Old 10-12-2015, 02:23 PM
hittman77's Avatar
hittman77 hittman77 is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jan 2008
Location: Illinois
Posts: 2,669
Likes: 1,684
Liked 4,253 Times in 1,293 Posts
Default

Quote:
Originally Posted by culito View Post
..... it's time for a change. Who is the best? Who has the best points program?
My local credit union was the answer for me.

They make all the decision here in my town and I can even pay the account there in person. They also handle LOCALLY any disputes, problems, questions, etc. ...... even called me a month or two ago about a potential fraud.

Much better service than a toll free number and chat with someone who barely speaks English.
Reply With Quote
The Following User Likes This Post:
  #4  
Old 10-12-2015, 02:23 PM
ordy's Avatar
ordy ordy is offline
US Veteran
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: May 2012
Location: suburban philadelphia
Posts: 738
Likes: 297
Liked 945 Times in 354 Posts
Default

The best were the ones I paid off and then put in a shredder.

Last edited by ordy; 10-12-2015 at 02:24 PM.
Reply With Quote
The Following 11 Users Like Post:
  #5  
Old 10-12-2015, 02:31 PM
diamonback68's Avatar
diamonback68 diamonback68 is offline
US Veteran
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jun 2003
Location: Due south of Orlando
Posts: 7,202
Likes: 597
Liked 3,437 Times in 1,406 Posts
Default

Several, all good, I have a Visa, a Mastercard and a Discover and have paid ZERO interest on all three for the past 18 years. That's what you call a good credit card.
__________________
Dick
Reply With Quote
The Following 2 Users Like Post:
  #6  
Old 10-12-2015, 02:35 PM
ClayCow ClayCow is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jul 2014
Posts: 971
Likes: 29
Liked 283 Times in 193 Posts
Default

Quote:
Originally Posted by hoc9sw View Post
There are many "best" companies, depending on what you want. I have heard frequent analysis of cards by folks like Consumer Reports. You'll need to look for one of those reports. It is worse than a caliber discussion
True. Some people get ones that pay miles, I dont need miles. Others you get cabelas points + discount, I rarely shop there. I have chase sapphire preferred, annual fee $95 but great customer service. They have what I need and want, im simply.looking for points and a company to stand behind my purchases.

I believe ny interest rate may be 13% no idea, I never pay it. Im sure I can get it lowered but Ive never bothered since I dont need it.
Reply With Quote
  #7  
Old 10-12-2015, 02:35 PM
THE PILGRIM's Avatar
THE PILGRIM THE PILGRIM is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Mar 2007
Location: ALBUQUERQUE, NM
Posts: 12,443
Likes: 7,401
Liked 22,434 Times in 7,578 Posts
Default

I don't want no stinking points!
And I don't want merchandise (junk).
I want money!
Don't trash me, cash me!
Look for a cash back card with no annual fee.
Interest rate not that important to me, I pay it off.
__________________
NRA LIFE MEMBER
Reply With Quote
The Following 5 Users Like Post:
  #8  
Old 10-12-2015, 02:45 PM
Aticus Aticus is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Mar 2010
Location: Breckenridge Hills, MO
Posts: 1,913
Likes: 1,595
Liked 1,487 Times in 705 Posts
Default

Quote:
Originally Posted by ordy View Post
The best were the ones I paid off and then put in a shredder.
I agree! To me the best credit card is the one you pay off every month.
__________________
Quando omni flunkus moritati.
Reply With Quote
The Following User Likes This Post:
  #9  
Old 10-12-2015, 03:10 PM
Kernel Crittenden's Avatar
Kernel Crittenden Kernel Crittenden is offline
US Veteran
Absent Comrade
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Apr 2014
Location: The Badger State
Posts: 7,535
Likes: 3,410
Liked 6,471 Times in 3,062 Posts
Default

Fidelity's Visa will put 2% into your investment account, with no annual fee. Since I run more than $30,000 thru my cc every year, that's $600+. I'd bend over to pick that up.

USAA Visa offer's up to $1.25 cash back, but it's a sliding scale. They're an excellent company, in general, and I carry one of their cards which I use for certain things.

SAM's Visa has a 5% cash back, but it's not automatic -- you have to pay a fee to be in the program (and be a SAM's member). I forget what the fee was, but I basically broke even on my first purchase, and have been getting 5% back on everything I buy at SAM's since, which is quit a bit for both home and business.

Now days, I make money on my credit cards. But it wasn't always that way. I took my wife and I 10+ years to lean not to carry a balance. Even though, from the start, we could of payed them off every month. Young and stupid. Thousands wasted on interest.
__________________
~ S&W aficionado in training ~
Reply With Quote
The Following User Likes This Post:
  #10  
Old 10-12-2015, 07:39 PM
kwselke's Avatar
kwselke kwselke is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Dec 2011
Location: Houston, TX
Posts: 5,315
Likes: 35,291
Liked 16,947 Times in 3,692 Posts
Default

If you have the military background for USAA membership, they pretty much offer excellent deals and have been highly rated. They do Visa, MasterCard, and American Express. You can do points or cash back and believe me they offer interest rates lower than what they advertise. Just depends on what you want, need, and qualify for. The best cards are the ones that are paid off each month and let you earn cash back for doing it.
Reply With Quote
  #11  
Old 10-12-2015, 07:45 PM
H Richard's Avatar
H Richard H Richard is offline
US Veteran
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Aug 2006
Location: West Central IL
Posts: 21,951
Likes: 16,137
Liked 20,539 Times in 7,695 Posts
Default

I still have a Bank Of America VISA which pays 3% on Gas, 2% on things like groceries, food, and 1% on everything else. I do not like BOA as they closed all the facilities in our city, but when my CC was hacked, they replaced it within 3 days, and when I went to Italy there was no extra transactions fees. I never carry over a balance, so I haven't paid any fee's ever and I can't even tell you what the interest rate might be.
__________________
H Richard
SWCA1967 SWHF244
Reply With Quote
  #12  
Old 10-12-2015, 11:55 PM
HOUSTON RICK HOUSTON RICK is offline
Member
Best credit card? Best credit card?  
Join Date: Dec 2003
Location: HOUSTON, TEXAS
Posts: 9,425
Likes: 6,499
Liked 12,959 Times in 4,901 Posts
Default

American Express
Reply With Quote
  #13  
Old 10-13-2015, 02:00 AM
cowart's Avatar
cowart cowart is offline
US Veteran
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jan 2006
Location: New Mexico
Posts: 1,797
Likes: 192
Liked 1,112 Times in 558 Posts
Default

Quote:
Originally Posted by culito View Post
Who is the best? Who has the best points program?
Its impossible to say in your case. You have provided ZERO information about what you are looking for in a card, and what your credit situation/useage is.
Reply With Quote
  #14  
Old 10-13-2015, 07:08 AM
Gamecock's Avatar
Gamecock Gamecock is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jan 2010
Location: SC
Posts: 3,222
Likes: 523
Liked 3,287 Times in 1,461 Posts
Default

I agree with the Pilgram. But my oldest brother flies a lot, so he has a mileage card. He said it is the equivalent of 5% back. I don't fly, so I go for cash back.
Reply With Quote
  #15  
Old 10-13-2015, 08:42 AM
ChattanoogaPhil's Avatar
ChattanoogaPhil ChattanoogaPhil is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Oct 2009
Posts: 14,680
Likes: 7,944
Liked 20,624 Times in 5,958 Posts
Default

I've used all the majors. Discover has by far the best customer service and account monitoring tools. If you want to talk to someone you can do so without going through a myriad of button-pressing menus, and the times I have talked to someone they have all been intelligent English speaking Americans.

I particularly like the tools that I can set up with my desktop or mobile app. A text or e-mail message can be sent whenever the card is used or at any particular $ level or above I chose, card is used outside the country, by phone or online, cash advance, or if the card has exceeded a certain amount. All these things are user settings. You can chose which ones you want and set your own criteria. Also you can shut off your card and turn it back on.

Cash back is 1% for everything no limit. Each quarter there are different 5% cash back categories. One quarter will be gas purchases, the next will be restaurants, then home improvement stores. Right now through the end of the year it's 5% at department stores and Amazon.

There's also Discover "Deals". If you use the Discover portal to get to an online seller there's 5-10% off and sometimes more from places like Best Buy, Walmart, Ace Hardware, Kmart, Home Depot, JC Penny, Sears, Walgreens, and tons more.

I use two other cards that fill the gap on cash discounts. Like my Amex Blue card I get 3% on groceries and 2% on gas. But Discover is the main card I use.

Last edited by ChattanoogaPhil; 10-13-2015 at 08:55 AM.
Reply With Quote
  #16  
Old 10-13-2015, 07:52 PM
old bear's Avatar
old bear old bear is offline
US Veteran
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Mar 2010
Posts: 9,179
Likes: 26,696
Liked 21,298 Times in 5,353 Posts
Default

Discover is a great card, I've been using one for several years now, I opted for the cash back offer. AMX is still the card I go to when traveling or making large purchases; I generally end up with enough "bonus" points by the holiday season to get gift cards for all the S.I.L.'s.
Reply With Quote
  #17  
Old 10-13-2015, 07:55 PM
Comrad's Avatar
Comrad Comrad is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Nov 2012
Location: New Jersestan
Posts: 3,373
Likes: 1,025
Liked 4,298 Times in 1,637 Posts
Default

Another vote for Discover, I charge EVERYTHING on it and really rake in the cash back bonus awards. At the end of the year you get a statement showing each category and what you spent on it. For medical deduction on the income tax it can't be beat.
__________________
Back to back World War Champs.
Reply With Quote
The Following User Likes This Post:
  #18  
Old 10-13-2015, 08:01 PM
DWalt's Avatar
DWalt DWalt is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Dec 2009
Location: South Texas
Posts: 29,781
Likes: 50
Liked 23,447 Times in 11,795 Posts
Default

Both Visa and Mastercard are OK, and the difference in service is a function of the issuing bank, not necessarily whether it is Visa or Mastercard, or something else. My wife and I have one of each and use both. Both have the 1% cash back, or the equivalent in gift cards, and occasionally special deals. Have been using both for a lot of years, always pay them off via direct draft every month.
Reply With Quote
  #19  
Old 10-13-2015, 08:02 PM
mtgianni mtgianni is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Feb 2007
Location: SW MT
Posts: 5,736
Likes: 7,920
Liked 4,701 Times in 2,349 Posts
Default

Quote:
Originally Posted by THE PILGRIM View Post
I don't want no stinking points!
And I don't want merchandise (junk).
I want money!
Don't trash me, cash me!
Look for a cash back card with no annual fee.
Interest rate not that important to me, I pay it off.
American Express through Costco. Only problems are not everyone takes it.
__________________
Front sight and squeeze
Reply With Quote
  #20  
Old 10-13-2015, 08:14 PM
MasterTech1960's Avatar
MasterTech1960 MasterTech1960 is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Apr 2014
Location: Maryland
Posts: 348
Likes: 323
Liked 358 Times in 139 Posts
Default

My wife and I have a rule , if you buy it on credit , you better have the money to pay it off when the bill comes. That being said , we pay for just about everything on the card. We earn points and use them. Air fare , for vacation , paid for by points. Our stay at the Hampton , paid for with points. We pay the card off every month and have never paid interest . We travel , we eat , and get a warm bed for free. Whats not to like.
__________________
Not so Free in the Free State

Last edited by MasterTech1960; 10-13-2015 at 08:16 PM.
Reply With Quote
  #21  
Old 10-13-2015, 08:14 PM
Comrad's Avatar
Comrad Comrad is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Nov 2012
Location: New Jersestan
Posts: 3,373
Likes: 1,025
Liked 4,298 Times in 1,637 Posts
Default

Quote:
Originally Posted by mtgianni View Post
American Express through Costco. Only problems are not everyone takes it.
Costco is dumping Amex in favor of Citi Visa. It looks like their agreement with Amex ends on March 31, 2016.
__________________
Back to back World War Champs.
Reply With Quote
  #22  
Old 10-13-2015, 09:44 PM
Stevens's Avatar
Stevens Stevens is offline
Member
Best credit card?  
Join Date: Oct 2005
Location: Thibodaux, Louisiana
Posts: 3,412
Likes: 3,197
Liked 3,691 Times in 1,511 Posts
Default

Amex and Visa for me, no problems so far.

Not meaning to cause thread drift but how did you come up with that screen name?

Steve W
Reply With Quote
  #23  
Old 10-13-2015, 10:30 PM
James&theGiant1911 James&theGiant1911 is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Mar 2012
Location: on farm nowhere
Posts: 998
Likes: 85
Liked 575 Times in 299 Posts
Default

I like Amex and Discover, especially Discover is nice with their cash back. I buy gas on it and pay it off monthly. Then get a statement credit which takes it down even further.
Reply With Quote
  #24  
Old 10-13-2015, 10:41 PM
chief38's Avatar
chief38 chief38 is online now
Member
Best credit card?  
Join Date: Apr 2006
Posts: 15,258
Likes: 6,378
Liked 19,235 Times in 6,931 Posts
Default

Currently my favorite CC is the Costco Amex Card - but that will soon be replaced by Costco in March with their new Costco Citbank Visa Card. Costco gets the best deals on CC's and they give you the HIGHEST & BEST points.
Reply With Quote
  #25  
Old 10-13-2015, 11:07 PM
cowart's Avatar
cowart cowart is offline
US Veteran
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jan 2006
Location: New Mexico
Posts: 1,797
Likes: 192
Liked 1,112 Times in 558 Posts
Default

Quote:
Originally Posted by mtgianni View Post
American Express through Costco.
Costco has already announced that they are dropping their connection to American Express, effective early next year.
Reply With Quote
  #26  
Old 10-14-2015, 07:37 PM
Valmet's Avatar
Valmet Valmet is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jul 2012
Location: Richmond, Virginia
Posts: 3,342
Likes: 2,421
Liked 3,006 Times in 1,571 Posts
Default

I've had a Discover card for the past 10 years or so and have been very pleased with them. Unbelievable customer service.
Reply With Quote
  #27  
Old 10-16-2015, 01:26 AM
donmateo25's Avatar
donmateo25 donmateo25 is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jan 2014
Location: WI/IL
Posts: 60
Likes: 67
Liked 19 Times in 7 Posts
Default

Been exceedingly happy w/Citi and the ThankYou Preferred card. Points are decent, free FICO every month and $0 charge/yr.
Reply With Quote
  #28  
Old 10-16-2015, 12:21 PM
NYlakesider's Avatar
NYlakesider NYlakesider is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Apr 2012
Location: Northern NY-AdirondackMts
Posts: 6,717
Likes: 10,602
Liked 10,739 Times in 4,008 Posts
Default

I have 2 large bank issued Credit Cards ( I totally refuse to get a debit card) Anytime I have had to call about something I get a honest to goodness person that speaks “American’’ English and seem to have no problem answering my question or concern. Their offices are physically located in this country!

Their rates are decent I suppose but as I pay in full each month I really do not care. I get cash back, so every now and then I have them post it to my card account and get a much smaller bill.

In September one card had an offer of 25% more points added to your transaction amount for that month. I had a whole house generator system and another large purchase that month so I put them on that card. To be honest I was surprised the generator company would take a card for the whole shot as they pay about 2% to the company, but they did and I took full advantage of it!
__________________
14 S&W Revs none with locks!

Last edited by NYlakesider; 10-16-2015 at 12:22 PM.
Reply With Quote
  #29  
Old 10-16-2015, 01:36 PM
straightshooter1's Avatar
straightshooter1 straightshooter1 is offline
US Veteran
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Dec 2003
Location: TampaBay
Posts: 2,557
Likes: 526
Liked 2,632 Times in 970 Posts
Default

I was a bit surprised to see all the positive comments about Discover.

In my part of Florida, at least, I really don't know any place that takes Discover. I suppose some stores at the malls may do so, but we never go to the malls.

I have 4 cards and really am thinking of dropping two. I would keep my Cabela's as I really like their customer service, talking to am American in English.

I also would probably keep my Capital One card since I have had it since about 1975ish. It pays me money when and if I use it.

Bob
Reply With Quote
  #30  
Old 10-16-2015, 01:38 PM
culito culito is offline
Member
 
Join Date: May 2007
Posts: 108
Likes: 138
Liked 28 Times in 21 Posts
Default

Thanks for all the great info everyone !!
Reply With Quote
  #31  
Old 10-16-2015, 02:55 PM
M1A's Avatar
M1A M1A is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Feb 2015
Location: 1945
Posts: 1,047
Likes: 2,096
Liked 1,784 Times in 599 Posts
Default

Cabela's Visa. You get enough back for some of the shooting necessities without having to fly anywhere.
__________________
"from my cold dead hands" C.H.
Reply With Quote
The Following 2 Users Like Post:
  #32  
Old 10-16-2015, 03:41 PM
chaparrito chaparrito is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jan 2014
Location: 5 generations in N. AZ
Posts: 2,349
Likes: 1,944
Liked 3,437 Times in 1,366 Posts
Default

Quote:
Originally Posted by Stevens View Post
Amex and Visa for me, no problems so far.

Not meaning to cause thread drift but how did you come up with that screen name?

Steve W
Crossed my mind too. I got a ding one time for using what a mod thought was a naughty spanish word.
Reply With Quote
The Following User Likes This Post:
  #33  
Old 10-16-2015, 05:00 PM
PALADIN85020's Avatar
PALADIN85020 PALADIN85020 is offline
US Veteran
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Jan 2007
Location: Arizona
Posts: 9,951
Likes: 3,492
Liked 46,312 Times in 5,580 Posts
Default

My vote goes to Discover. Excellent customer service. Easy to track. Lots of options. A couple of years ago, someone hacked my number and bought over $5,000 of furniture. I was alerted by Discover, I disclaimed the purchase, and I had a new card with a different number by FedEX express in one day. I usually call them when I'm going out of town to be sure they will accept charges from where I'm going. I get alerted when my balance exceeds a certain amount, and I can see my purchase history on line with no hassle. I can pick the day I wish to pay off my balance. I believe Discover has been rated tops in customer service for several years running, and I can see why. I've always paid my balance in full each month, and I've never had a service or interest charge. Plus they have a nice cashback bonus plan. Amazon is keyed into it, and when I buy a book or whatever on Amazon, I usually find my cashback amount sufficient to cover it, so it's like getting it for free. Nice to encounter a company that does things right, for a change.

John
__________________
- Cogito, ergo armatus sum -
Reply With Quote
  #34  
Old 10-16-2015, 05:34 PM
rwsmith's Avatar
rwsmith rwsmith is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Dec 2012
Location: (outside) Charleston, SC
Posts: 29,676
Likes: 38,890
Liked 27,544 Times in 13,097 Posts
Default There ARE no good.....

There ARE no good credit cards. Except maybe one you pay off every month.
__________________
"He was kinda funny lookin'"

Last edited by rwsmith; 10-16-2015 at 11:21 PM.
Reply With Quote
The Following User Likes This Post:
  #35  
Old 10-17-2015, 09:27 AM
rwsmith's Avatar
rwsmith rwsmith is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Dec 2012
Location: (outside) Charleston, SC
Posts: 29,676
Likes: 38,890
Liked 27,544 Times in 13,097 Posts
Default Pay off every month.....

We had American Express for our business expenses and it worked very well for traveling but a lot of places wouldn't take it because it was hard for business to get their money. Maybe things have changed. We had to account our expenses every month to pay it off. Some people got a little (!) carried away with it and lost their jobs. The company wasn't completely innocent because they issued them arbitrarily and just said, "Use them". They didn't ask anybody if they couldn't handle it.
__________________
"He was kinda funny lookin'"
Reply With Quote
  #36  
Old 10-18-2015, 06:43 PM
Exiled Cheesehead's Avatar
Exiled Cheesehead Exiled Cheesehead is offline
SWCA Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Apr 2012
Location: Nashville Area
Posts: 441
Likes: 244
Liked 437 Times in 109 Posts
Default Cabela's

Since this credit card question was posted on the Smith and Wesson Forum, I will say that if you have a card from such a place as Cabela's, the points you earn can be used to buy things that go "bang".
Reply With Quote
  #37  
Old 10-19-2015, 12:13 AM
Arney Arney is offline
Banned
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Nov 2013
Posts: 183
Likes: 249
Liked 55 Times in 41 Posts
Default

best card is no card
Reply With Quote
  #38  
Old 10-19-2015, 12:25 AM
mclark202 mclark202 is offline
Member
 
Join Date: Jan 2009
Location: KY
Posts: 215
Likes: 1
Liked 285 Times in 57 Posts
Default

Quote:
Originally Posted by Arney View Post
best card is no card if you can't control yourself
There, I added to your statement to make it correct.

I used to be all about "no credit cards". Then I learned that they can be great for someone that isn't using them for things they can't afford.

I pay for my daily purchases through my Capital One card. I no longer worry about someone having access to my own money through the use of my debit card. End of the month it gets paid off. Like clockwork.

I get 1.5% cash back for all purchases. This year I bought me a new gun from my cash back points. A new gun for spending habits that are not changed. Free money IF you are smart about it!
__________________
Mike C
Reply With Quote
  #39  
Old 10-19-2015, 12:56 AM
THE PILGRIM's Avatar
THE PILGRIM THE PILGRIM is offline
Member
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Mar 2007
Location: ALBUQUERQUE, NM
Posts: 12,443
Likes: 7,401
Liked 22,434 Times in 7,578 Posts
Default

Quote:
Originally Posted by mtgianni View Post
American Express through Costco. Only problems are not everyone takes it.
I was trying to describe the card I like, not name one!

I have a Discover, a Samuel L Jackson Capital One,
A USAA MasterCard and a USAA Amex - all cash back!
I don't want any points, Miles, coupons, etc.
Just cash!
I also don't have to pay anybody- like Costco to get the card.

Problems with customer service?
I don't actually deal with them that often.
But if I have a problem that I can't resolve pretty quick, I will close that *** faster than- are speeding bullet!
When you have good credit and several cards, you are in control.
So show those folks that you do control your personal finances.
They want to bully you, don't let them!
__________________
NRA LIFE MEMBER

Last edited by THE PILGRIM; 10-19-2015 at 01:05 AM.
Reply With Quote
  #40  
Old 10-20-2015, 12:24 AM
Arney Arney is offline
Banned
Best credit card? Best credit card? Best credit card? Best credit card? Best credit card?  
Join Date: Nov 2013
Posts: 183
Likes: 249
Liked 55 Times in 41 Posts
Red face

Quote:
Originally Posted by mclark202 View Post
There, I added to your statement to make it correct.

I used to be all about "no credit cards". Then I learned that they can be great for someone that isn't using them for things they can't afford.

I pay for my daily purchases through my Capital One card. I no longer worry about someone having access to my own money through the use of my debit card. End of the month it gets paid off. Like clockwork.

I get 1.5% cash back for all purchases. This year I bought me a new gun from my cash back points. A new gun for spending habits that are not changed. Free money IF you are smart about it!
I admit I do use the card but as you always pay off the balance monthly......
Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
AMEX CARD MESS---WATCH YOUR CREDIT CARD Airpark The Lounge 15 11-27-2017 10:24 PM
Credit card processers Wingmaster The Lounge 12 10-12-2014 07:40 PM
Another credit card question Alpo The Lounge 23 05-15-2014 01:45 PM
Credit card theft sipowicz The Lounge 17 02-29-2012 02:43 AM
Best credit card for points? culito The Lounge 7 09-28-2009 05:40 PM

Powered by vBadvanced CMPS v3.2.3
smith-wessonforum.com tested by Norton Internet Security smith-wessonforum.com tested by McAfee Internet Security

All times are GMT -4. The time now is 02:34 AM.


Smith-WessonForum.com is not affiliated with Smith & Wesson Holding Corporation (NASDAQ Global Select: SWHC)