OK, here is what I do….
National City Bank CC, charge most everything, and get cash rebate at $100. Thus, I am making $200 per year on this CC. Pay in full each month. (I feel like I got one on the bank ya know…)
I use AMEX for Costco purchases. Takes a fair amount of time for a reward, but thats okay. Means I am not spending too much money.
Put savings in ING, and promotional accounts from BofA. BoFa was not so great on my last transaction….when I logged in, I got a promotional CD for 4.9% APY. About a week later, I got a card via snail mail for same promotion. So, I signed up online. They called me, and I confirmed with the rep that the 4.9% was indeed true. Two hours later….shows up as 3.9% APY. What the h***?
TC to BOFA, and I am told, “sorry ma’am,” its too late, and if I want to change, I need some special Prima checking account, which of course, costs more money. Bait and switch, heh?
Well, I don’t need that, and why aren’t they honoring their promotional literature (which I had printed out and had in hand). On and on, and they won’t release my money (ummm, this was only 5 hours later), until I get a Supervisor who agrees to give me the correct rate of 4.9%.
Last week, was time to renew. Wow, talk about great CS….they sure wanted my business back. Sorry, BOFA, release the money to my checking so I can move it over to ING.
Oh, and BTW, I have been a customer since 1987. That stupid business at BOFA was TOO TACKY.
About 9 months ago, I opened an ASPCA CC from Chase. Charge one purchase and they donate $25 to the ASPCA. I have contributed to ASPCA for a few years, so this seemed easy to do the right thing. Two months later, I recieved checks that I could use for up to $7000. No transaction fee. No interest for 10 months. I wrote the check, put it in ING, paying $129 monthly, and earning interest. Not a lot of money, and of course, taxes time I will have to pay, but still….they didn’t get me to buy a car I didn’t need and get roped into high interest….
