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Kristy!, April 26, 2010 in Random Thoughts
we use AMEX
kristy, would you be interested in an air miles card? we have a discover which is tied to American Airlines.. you get 30k miles just by signing up and a mile for every dollar.
Sorry ladies, but I disagree when you say that credit cards are a necessary evil. They are not necessary, and only bring risk into your life. I can tell you that living debt free is the only way to live life. No stress, no worries. If DH and I don't have the money to pay for something, anything, then we don't buy it. We scrimp and save until we can pay cash for everything.
And for those you that still believe that you need a credit card to build your credit score, I think you're wrong again. If you don't borrow money then you don't need a credit score. Your FICO score is an 'I love debt score". Trust me, it is possible to live a wonderful life without the stress and worries of debt. You willl never be able to build wealth if you're constantly giving your hard earned cash to make payments.
Just my $.02....
hoyt- good for you for being debt free. i wouldn't manage my money the way you do, but i think it's still cool!
buuuuuuuut since this is a credit card recommendation thread, i think it's safe to say that the OP disagrees with you and isn't looking for advice on being debt free. i'm sure there is another thread for a discussion on the good and evil of credit cards.
Back to the original topic -- I use World Points Visa (mine was issued from M&T Bank) which has no annual fee and the points can be used for various merchandise, gift cards, cash, and travel.
What I usually do is save up my points all year and then spend them for Christmas presents at the end of the year. Although, lately I've been saving them up to possibly spend on a flight to the wedding for friends and family who we REALLY want there, but who honestly cannot afford to pay to fly to Mexico.
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