SOCIAL: credit card

[jluszcz]

I just like getting cash back. Otherwise it's just "something else to 
worry about" (like having a gift card for a single store), you have to 
sometimes make an excuse to buy something.

cash is king.

It might not optimize my take (e.g. 1% back in cash might be = to 5% back 
in mechandise from a selected company) but it's a lot easier to deal with.

  Jeff




On Tue, 25 Mar 2008, O'Brien, Chris wrote:

> 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
>
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>
> -----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)
>>
>> personal: http://www.deeptrouble.com
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