Discover — promo offer, spend $500 and get $50 cash back; but you’ll only get 0.25% cash back in the first tier (but they do have on going special categories, and the cash back percentage goes up as you spend more; but certainly their are better options).

Walmart Discover — promo offer will give you $20 cash back if you spend $100 on it the day you apply at a Walmart store (you get a check with your first statement).  Keep in mind that the Walmart Discover isn’t actually issued by Discover Financial Service, but rather by GE Money Bank (so it has to be managed through the Walmart portal, not Discover; and it doesn’t have many of the features of a regular Discover card).

NOTE: Discover branded card allow you to get cash back at a Walmart or Sam’s Club (which is charged as a purchase, not cash advance).

Citi Diamond Preferred MC (or AMEX) — promo “5% bonus” on gas, drugstores, and supermarkets for the first year; if you spend $300 in the first three months you get a $50 gift card; 1% normally — virtual credit card numbers

Citi Dividend MC — “bonus” categories change; 1% minimum ($300 max rebate per year) — virtual credit card numbers.

Chase Freedom VISA — promo 5% on gas and travel right now, the “bonus” categories change; 1% minimum.

CapitalOne Platinum VISA — 2% on gas and groceries, 1% minimum — low rent bank; but pay your bills and you will be fine.

Costco AMEX — 3% gas and dining; 2% travel, 1% minimum (requires paid Costco membership; $3000 purchase limit on 3% gas, 1% afterwards).

Most all the cash back cards now don’t offer good cash back rates for long (you have to play the promo game)… one way to avoid that is get a “branded” card at a place you do lots of business (like if you bought Shell gas most of the time get the Shell VISA — but it only works if there’s a card from place you do a lot of business and it pays say 5% there and 1% elsewhere; Chase has lots of those types of cards).

My feeling is the right number of credit cards is THREE

• VISA
• Master Card
• Discover

You can argue four if you like AMEX — and that would probably be either the Costco or Citi AMEX for the best deal.

I would say acquire a credit card no more often than every three months until you’re at the level you want… if you find a card you like better than one you have — acquire it and just don’t use the other card (you can close it as well, but that really doesn’t buy you anything). DO NOT apply for more than a single credit card per month; and be careful about opening a bank account AND applying for a credit card in the same thirty day window (do the credit card first).

NOTE: Use credit cards responsibly.  If you can’t afford to pay the balance off every month — don’t make the purchase.  While many people keep revolving balances on credit cards, the interest rate (even a good interest rate for a credit card) makes the cost of what you’re purchasing ridiculous.  If you feel you won’t use a credit card responsibly — look for a financial institution that offers rewards on their debit card.

If I were applying for a new card right now it would probably be the Citi Diamond Preferred; and I’m considering applying for a Citi Diamond once the Chase 5% gas deal is over.

NOTE: I have a Discover, Walmart Discover, Citi Dividend, and Chase Freedom (along with others that I have not included on the this list).  I do not have (nor do I want) any AMEX card; nor do I personally want to do business with CapitolOne.

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The really funny thing is the news media is applauding this like something new and different and patting BofA on the back.

Hell, I can issue a one line statement that will tell card holders from every financial institutions clearly and concisely what their relationship is with their bank…

YOUR BANK WILL SCREW YOU OVER EVERY CHANCE THEY GET.

I’m just not sure what I’d do with the rest of the page.

Honestly, why is the news media treating a lack of “double speak” like something that should be applauded and not treating the rampant abuse almost all financial institutes exercise on a daily basis as something to be put in the fore front?

Admittedly I don’t have much respect for banking institutions (nor do I have much respect of the news media in the United States) — but give me a break, how stupid does the media think the average American is?

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I’ve ask Amazon how to inhibit the display of any and all items except those sold by them; I don’t care to deal with the questionable merchants that use Amazon’s sites.  And obviously Amazon doesn’t stand behind them either (look over their A-Z Guarantee, and notice that a person who buys an item every day has the same lifetime limits as one who rarely buys — sounds to me like Amazon is afraid to offer a real guarantee — why should I have more confidence).

Anyway, rather than play the game with Amazon I’ve just opened a charge dispute with my credit card company (which in this case happens to be an Amazon credit card).

If Amazon doesn’t have a way to block the display non-Amazon merchandise I’ll close my account (and credit card).

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As a precaution you may want to cash in your points now in order to insure that the institutions don’t make a change to the program that greatly diminishes your value.  In addition you might want to find another financial institution that isn’t in precarious financial condition with a rewards program to use in the interim until your current institution stabilizes.

The two largest banking institutions that have liberal rewards programs that are in financial trouble are Citi Group and Bank of America.

The largest banking institution that has a liberal rewards program that isn’t in financial trouble is Chase.

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Personally I’m not sure why we’ve gone to a model where vendors seem to believe we need all kinds of applications to do simple things that could be done through a web browser… perhaps that’s an unfortunate side-effect of the iPhone craze (or perhaps better said as crazies).

I think it’s great that banking institutions are thinking about ways to provide services to individuals who have cellular data plans, but I think it’s unfortunate that we can’t just use simple standards — after all, the point is to enable the flow of information, not to make an application that people play with like a game.

To use the Citi Mobile application, you need a supported handset on a supported carrier, and you have to sign up, download, and activate it through the Citi “My Account” web portal.

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STOP • THINK • CLICK

While most savvy internet users should be aware of most everything on the site, there’s no harm in taking a minute out and visiting it to see if there’s any suggestions that might make your online experience safer.  You may also want to recommend that your bank, credit union, and credit card company link to them.

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You should familiarize yourself with each card’s bonus cash back, and try and use the card that pays you the most back (yes, consider the closing date and how long you will get the use of the credit card company’s money as well, but at the moment you can’t really get much interest back on your money, so the only real concern there should be cash flow).

Many credit card companies also offer bonus points if you use the shopping links on their web site (generally you have to sign into their online account management, and often you have to explicitly register you card).

Some credit card companies require you to always launch the shopping experience through their web site, others will recognize the merchant once you’ve registered the card — and may of those will also pay you bonus cash back at brick-and-mortar stores once you’ve registered your card.

The bottom line is, you have to read and understand each card’s reward program, and you have to be diligent in exercising the program.

So how much cash back did I get last year?  $1981 — and no,  most of that was not at 1% back; over half of it was at 3% and much of it was at 4% and 5%, and a little was at 10%!   And the really great part of it was, a lot of that was from paying cell phone bills, telephone bills, gasoline, groceries (all at least 3%)… or money I would have spent regardless.  The fact that much of my discretionary spending was done at places offering great prices and bonus cash back just sweetens the pie!

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Why?

There are several reasons not to perform PINned transactions…

• When you do a transaction with a PIN, you’re allowing the merchant to immediately remove money from your bank account.  They likely use a transaction network to do this, but there aren’t as many safe guards or controls on that network as their are a credit card authorization network.
• When you do a transaction with a PIN, you’re not protected by VISA or Master Cards ZERO LIABILITY guarantee, you’re subject to the rules imposed by the merchant, processing network, bank, state, and federal laws.  If you’re defrauded you might find it’s a long and tedious process to get your money back, and you might find that your bank freezes assets in your account until the matter is resolved.
• When you do a transaction with a PIN the money is immediately removed from your account (and sometimes immediate means instantly — but certainly within 24-hours, often even on non-banking days); however, when you go through the credit card processing system you’ll see at least an extra day, and generally those transactions are only posted on banking days.
• When you do a transaction with a PIN your PIN could be intercepted (either electronically of through surveillance) and put you at risk of fraud (which may be hard to prove it’s fraud).

If your bank doesn’t offer VISA or Master Card logo’d check cards, change banks.

If you have access to a small local bank, or better yet, credit union open an account there (after making sure they have VISA or Master Card logo’d check cards and offer totally free services).

It’s your money, make the most of it… and protect it.  As the economy get’s worse and worse we’re going to see more and more “clever” schemes to try and take your hard earned money; start fighting back now.

And remember, if you are a victim, immediately contact your financial institution and any merchant you believe may be responsible via telephone and follow it up in a letter sent via the United States Postal Service (referring to the phone call) to preserve your rights.  You may also want to send an email (possibly using a DEA — disposable email address) as well; but you must send a letter via USPS!

Check cards are also called ATM Debit Cards or ATM Cards, the important thing is that you can use them as a credit card by signing the transaction form (they will have a VISA or Master Card logo).

It’s fine to use those cards at your bank’s ATM as long as you take reasonable precautions.

While using a check card through the VISA or Master Card network is preferable to a PINned transaction, if you can get a credit card, and can use it responsibly you’re even better off to use a real VISA or Master Card and simply pay the balance off every month (transfer the money from your checking account weekly if you need to, and track the expenses on your credit card as you would transactions from your checking account, your bank can probably provide you with online access to your credit card to help you — if they don’t find another credit card issuer).

NOTE:

I haven’t gotten confirmation yet, but it appears Lowes is responsible for leak of bank card numbers and PINs that are currently being used to defraud consumers.  If you have performed a PINned transaction at Lowes within the last several weeks call your bank and have your bank card terminated and re-issued with a different number (tell them you lost it).

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Most of the companies that support these allow you to set time and amount limits for charges against the cards, and allow you to terminate the card at will (you cannot prevent a charge that has already been authorized, but you can prevent any future charge).

These financial institutions support virtual cards:

• Bank of America (acquired from MBNA)
• Citi Bank
• Discover

These financial institutions do not support virtual cards:

• Chase
• Most credit union issued cards

Citi Bank and Bank of America have very similar systems; the each allow you to set limits and the card immediately binds to the merchant who first authorizes a charge against the number (no other merchant can use the number, which can create issues on PayPal, Yahoo Shops, Google Checkout, and Price Grabber to name a few — the solution is create a new card each time you want to buy something on those sites and destroy the old one).

Citi Bank and Discover have an applet you can download to your PC which will create numbers and auto-fill web forms.

Virtual credit cards give you a great deal of control over your finances, you set the limits of who much a vendor can charge and for how long they can access your credit card account.  While your liability is always limited (zero liability with VISA, Mastercard, and Discover) virtual cards help you avoid hassles.

When you say NO MORE, you end it… you can’t be caught by surprise by horrendous shipping and handling charges, you can’t be over-billed… and you don’t have to worry about recurring charges.

I use virtual card numbers to pay my utilities (electric, water, gas, cable, telephone, cellular); tolls (FastTrak); purchases on line; basically any time I give someone a credit card number via phone, mail, or internet… and I encourage you to do the same.

For one time purchases, terminate the card immediately after the charge is authorized, and THAT IS THAT… for recurring charges, re-authorize the new amount a little before the charge, or go ahead and setup for a year at a time (you can always terminate the card before an authorization).

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The card still makes sense for gasoline purchases since as long as you’re careful to use it for the first $100 in qualifying expenses per month and then pocket it until your next billing cycle.

The rewards are paid by crediting to your Discover account, check, or electronic deposit in $20 increments (so every four months if you maximize your benefits); or you can elect to “double” your rewards by selecting gift cards — which makes sense if you’re going to be something from one of the retailers anyway.

The application process is quick and simple (like most credit card companies, they don’t really want you to tell them anything, they get it all from the credit reporting agencies).

http://www.discovercard.com/

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