Got a Visa through credit union many years back, most time carry zero balance. Sometimes used it on road- the self serve pumps after midnight, etc. Needed for some work travel to get reimbursed, some times get to place that won"t take out of state checks. The card has proven to be usefull at times but as noted rarely carries balance more than a month. I get master card and discover card offers- amuse myself sometimes by calling and telling them the interst I"ll pay and the court they will have to come to dispute, ask for telemarketers age and SS number since they ask me that. when they start sputtering I tell them to stop sending scam offers. CLICK. Local business in area has signs posted about American Express charging merchant 8%- the busines adds 8% to bill and if customer doesn"t like it he can go to bank for advance and pay cash to get discount. Kwik Trip chain has ATM in stores- customers can get cash to pay and store doesn"t get card company refusal to pay. Sears court case about 1975 makes the non-discrimatory price clause in credit card contracts invalid- merchants can have different levels of price depending on payment method- all credit card company can do is write off merchant as $ provider. Merchant may lose some busines but now they aren"t bluffed in most states. The card reader machines required to buy for card have been mostly replaced by multi function internet access reader that are leased- if credit card company threaten to cut off merchant-- many are saying like Quik Trip: we"ll get local ATM and customer will ask you why you charge $3.50 to 5.00 a cash advance. Bank of American makes more money on late fees and extra charges than they get on interest in 2005-2007. Credit card companies like Discover and Providian got in trouble with issueing to risky customers- this includes some college students. RN
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Today's Featured Article - Show Coverage: Journey to Ankeny - by Cindy Ladage. We left Illinois on the first day of July and headed north and west for Ankeny, Iowa. Minus two kids, we traveled light with only the youngest in tow. As long as a pool was at the end of our destination she was easy to please unlike the other two who have a multitude of requirements to travel with mom and dad. Amana Colonies served as a respite where we ate a family style lunch that sustained us with more food than could reasonably fit into our ample physiques. The show at Ankeny
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