SOCIAL: credit card

[O'Brien, Chris]

We are switching from mileage cards to an REI card. For the reasons
Randall noted below: Just too much of a pain to use the miles, too many
restrictions. But we always can use more thermal underwear. 

Chris O'Brien
San Jose Mercury News
415-298-0207


 





-----Original Message-----
From: social-bounces at lists.deeptrouble.com
[mailto:social-bounces at lists.deeptrouble.com] On Behalf Of Randall Isaac
Sent: Tuesday, March 25, 2008 4:18 PM
To: Social Social
Subject: Re: SOCIAL: credit card


I agree with Deep, it depends on what you want.

I shy away from mileage cards because it's getting damn near impossible
to redeem the miles for tickets you can actually use.  Also, many of the
airline cards charge $60 annual fees after the first year.

My favorite reward card is the Amazon VISA.  No annual fee and you get a
$30 Amazon credit just for getting the card, and get a $25 Amazon gift
certificate for every $2500 you spend (i.e. a 1% return, 3% on Amazon
purchases).  Since I buy a crapload of stuff on Amazon it's a good deal
for me.

Randall

Amandeep Jawa wrote:
> Hi Palak -
> 
> I have a United card & it gives me miles on it which is nice.  I'm 
> glad you are not a big fan of credit cards - they are very useful and 
> very helpful - but many many people get carried away when they first 
> get one & end up in real trouble (I did!) - so it is good to make sure

> you always pay them.
> 
> The basic rules are something like this:
>     - If you think you will always pay them back, get whichever one 
> has features you like (like miles) - but make sure you pay them back
on time!
>     - If you think you will mostly pay them back, but some times may 
> slip, or could slip for months at a time - get ne with the lowest 
> interest rate you can find & ignore special features
>     - If you don't think you will pay it back on time very often at 
> all, get a different type of loan!
>     
> Anybody else have good advice?
> 
> 'deep
> 
> 
> 
> 
> 
> On Mar 25, 2008, at 11:26 AM, palak joshi wrote:
> 
>> Dear Social,
>>
>> I am looking to get a unsecured credit card now that I can. I am not 
>> a big fan of credit cards but i need to have atleast one. I was 
>> thinking due to my ok score i can get a good one. Have been going 
>> back and forth between rewards and miles and cash back and this and 
>> that. I am feeling very small to venture out in this world of credit 
>> cards all by myself so i am looking to get some advice from you 
>> folks. I am very disciplined to paying back and stuff just dont know 
>> which ones to get its a big cc world out there!
>>
>> Do you have credit cards that you recommend and more importantly do 
>> not recommend? if you want to send me direct emails at 
>> palak.joshi at gmail.com it would be fine or to the group, whatever you 
>> feel comfortable doing.
>>
>> thanks and have a good day.
>> palak.
>> _______________________________________________
>> Social mailing list
>> Social at lists.deeptrouble.com 
>> http://lists.deeptrouble.com/listinfo.cgi/social-deeptrouble.com
> 
> 
> 
> ----------------------------------
> Amandeep Jawa
> ----------------------------------
> deep AT deeptrouble DOT com
> 937 Valencia St.
> San Francisco, CA 94110-2320
> 
> Home: 415 255 6257 (ALL MALP)
> 
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> 
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