SOCIAL: credit card

[Aparna Seetharaman]

  I have a United mileage card, simply because a free trip to India every
  three years is worth the $180 in annual fees that I pay over that period.

  Yes, there are blackout periods, but it isn't a big deal for India trips,
  at least for me I've been able to work around them.  Within the US, a
  different story - the blackout periods are very limiting.

  I also have only one credit card (well two, if you count my bank debit
  card) to simplify my life.  One bill, one limit, less risk of over
  self-indulgence :-)  

  I will recommend an REI membership, if you don't get their Visa card.
  They have a membership dividend (based on your purchases) that is 
  great!  Love that store!  

Regards,
Aparna

--- On Tue, 3/25/08, O'Brien, Chris <COBrien at mercurynews.com> wrote:

> From: O'Brien, Chris <COBrien at mercurynews.com>
> Subject: Re: SOCIAL: credit card
> To: "Social Social" <social at deeptrouble.com>
> Date: Tuesday, March 25, 2008, 4:49 PM
> 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)
> > 
> > personal: http://www.deeptrouble.com
> > political: http://www.sflcv.org
> > 
> > 
> > 
> > 
> >
> ----------------------------------------------------------------------
> > --
> > 
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> > Social at lists.deeptrouble.com 
> >
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