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What's in your wallet?

If it doesn't fit anywhere else, it fits here

What's in your wallet?

Postby bdog » Mon Mar 26, 2012 9:03 pm

My credit card company (USAA) appears to have started charging interest on my current month purchases.

I've had them since 1995; who offers the best deals now-a-days?

I always pay off my balance in full every month so probably looking for one of the "rewards" cards.

What's in your wallet?
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Re: What's in your wallet?

Postby Stebben84 » Mon Mar 26, 2012 9:26 pm

UW credit union. No rewards but no problems. I've never had them change their terms in 18 years.
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Re: What's in your wallet?

Postby green union terrace chair » Mon Mar 26, 2012 10:08 pm

Stebben84 wrote:... but no problems. I've never had them change their terms in 18 years.

That's your reward program right there. Better than a Bed, Bath & Beyond gift card, I'd think.
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Re: What's in your wallet?

Postby Igor » Mon Mar 26, 2012 10:32 pm

Stebben84 wrote:UW credit union. No rewards but no problems. I've never had them change their terms in 18 years.


Seconded. Got ours at Telco CU, which is now Heritage. I think we carried a balance for two months back in the 80's. No fees.
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Re: What's in your wallet?

Postby Twinner » Tue Mar 27, 2012 1:24 am

UW CU is the one we use. We have a Discover, US Bank and an AmEx, but haven't charged anything on those in 5 years or more.
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Re: What's in your wallet?

Postby Endo Rockstar » Tue Mar 27, 2012 8:19 am

I haven't looked into them, but the guys who work at the UW swear by The UW Employees Credit Union. They offer a credit card at 9% that never changes.

Worth looking into.

-Dan Motor
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Re: What's in your wallet?

Postby Stebben84 » Tue Mar 27, 2012 8:31 am

I forgot that the UWCU does have a rewards program.

http://www.uwcu.org/Products/Cards/Cred ... wards.aspx

I should probably see if I can get anything.

Endo Rockstar wrote: They offer a credit card at 9% that never changes.


It's the same interest for cash advances as well with a $2 fee.
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Re: What's in your wallet?

Postby Endo Rockstar » Tue Mar 27, 2012 8:38 am

Stebben84 wrote:
Endo Rockstar wrote: They offer a credit card at 9% that never changes.


It's the same interest for cash advances as well with a $2 fee.



Nice! Today I learned...

-Dan Motor
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Re: What's in your wallet?

Postby gargantua » Tue Mar 27, 2012 11:07 am

I have two Summit CU Visa cards. One is a rewards card that I use for most purchases, and the non-reward card pays for my WSJ subscription and Princeton monthly membership automatically. Very satisfied with both.
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Re: What's in your wallet?

Postby Twinner » Tue Mar 27, 2012 12:38 pm

Endo Rockstar wrote:
Stebben84 wrote:
It's the same interest for cash advances as well with a $2 fee.


Nice! Today I learned...

-Dan Motor



Who does "cash advances" on their card? I use my debit card to withdraw cash from my checking or savings accounts. I can't imagine that cash advance fees are less than what one might pay to withdraw cash from a non-member ATM. $200 + $2.50 fee as an example. There's enough no-fee ATM's out there it's not an issue any more.
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Re: What's in your wallet?

Postby fisticuffs » Tue Mar 27, 2012 12:42 pm

We've been bouncing between no interest for xx months cards for a while now, currently Chase Slate, but I think we'll go with a UWCU card when the promotion ends on this one. We don't pay it off every month like we should.
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Re: What's in your wallet?

Postby Michael Patrick » Tue Mar 27, 2012 3:50 pm

I've got a card from one of the big banks. It's got a cash back reward option.

Don't need miles or other non-cash rewards, just give me the cash back.
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Re: What's in your wallet?

Postby Henry Vilas » Tue Mar 27, 2012 6:43 pm

UWCU Platinum Visa. Never carry a balance.

"Neither a borrower nor a lender be."
-Shakespeare
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Re: What's in your wallet?

Postby Madsci » Tue Mar 27, 2012 8:56 pm

Same kind of credit card as HV, and I also use it as charge card.

Dad and Mom taught us to be frugal.
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Re: What's in your wallet?

Postby Igor » Tue Mar 27, 2012 10:05 pm

Madsci wrote:Same kind of credit card as HV, and I also use it as charge card.

Dad and Mom taught us to be frugal.


My folks grew up during the Depression. Fortunately for them they were on a farm, as I think farmers generally had things easier during that timeframe.

I don't know that I am frugal in general, but I am frugal about big stuff like cars and houses. I would rather drive a car with 120,000 miles on it to fun activities, as opposed to sitting home and watching "Super Pawn Doofuses" with my new car in the garage.
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