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#1: Re: How I Fixed My Finances

Posted on 2006-03-12 22:28:11 by nospam

"Leigh Menconi" wrote:

> Are they all fee-free? I stopped using the airline reward cards because
> of the annual fees. Hadn't thought of having more than one citibank card.
> Thanks for the tip!
>

None of the ones I use have a fee.

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#2: Re: cash back or "airline miles" credit cards (was: How I Fixed MyFinances

Posted on 2006-03-12 22:53:37 by zxcvbob

nospam wrote:

> None of the ones I use have a fee.
>


I stopped using my GM card for the most part because I'm unlikely to
ever buy a /new/ vehicle again. The card has just over $1600 worth of
points that will probably go unused.

I put most of my purchases on a Cabela's Club VISA card that pays 1%
back (sometimes 2%) in discounts at Cabelas sporting goods store. Plus,
because I'm in the program, Cabela's sends me $10, $20, and sometimes
more in coupons and special discounts every couple of months. By
stacking several discounts and coupons and using about $30 in points, I
saved over $100 on a $250 purchase right after Chrismas.

No fees for the card, and I pay the balance off every month (I'm not
even sure what the interest rate is because I don't pay interest.) You
can use the points at any time without having to wait for them to
accumulate to some magic multiple of 1000.

If you spend much money at all on sporting goods, it's the best "cash
back" credit card that I've found -- unless you are saving for a GM
vehicle; in that case the GM card wins.

Bob

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#3: Re: cash back or "airline miles" credit cards (was: How I Fixed My Finances

Posted on 2006-03-12 23:13:48 by Elizabeth Richardson

>
> I put most of my purchases on a Cabela's Club VISA card that pays 1%
> back (sometimes 2%) in discounts at Cabelas sporting goods store. Plus,
> because I'm in the program, Cabela's sends me $10, $20, and sometimes
> more in coupons and special discounts every couple of months.

Hey, Bob, the first time I ever saw a Cabella's card was at work last year
when 14 out-of-state hunters came in to get fishing/hunting licenses and
bear tags. They looked like they were going to have too much fun to ever get
near a bear, but they sure were spending on that card and they obviously
were using the rewards.

Elizabeth Richardson

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#4: Re: cash back or "airline miles" credit cards

Posted on 2006-03-12 23:18:39 by Tad Borek

zxcvbob wrote:
> nospam wrote:
>> None of the ones I use have a fee.
>
> I stopped using my GM card for the most part because I'm unlikely to
> ever buy a /new/ vehicle again. The card has just over $1600 worth of
> points that will probably go unused.
>
> I put most of my purchases on a Cabela's Club VISA card that pays 1%
> back (sometimes 2%) in discounts at Cabelas sporting goods store.

I didn't know Cabela's had one that paid back. Similar..I'm a big fan of
the REI branded VISA, you get 1% back on all purchases, and you receive
it with your annual REI dividend (REI is an outdoor store organized as a
co-op so you get dividends back on your non-sale purchases). Almost
every dollar I spend flows over that card, and a lot of the climbing
junk in my closet was bought with this "found money." And a canoe, and a
lot of Patagucci stuff I wouldn't think of buying with real money.

You can also get your dividend check as cash instead of spending it at
the store but where's the fun in that?

I think cash-back cars are better deals than the airline miles ones.
When you factor in in the annual fees typically charged on the airline
cards, the shrinking number of seats allocated to those mileage tickets,
and the deals you can usually find on tickets on the internet, I'll take
the cash.

-Tad

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