Bank of America giving America the big F**k You

[HLS]

Using a debit card does absolutely nothing for your credit score, it doesn’t even show up on a credit report.
Can’t understand why anybody uses them.

Using a credit card (getting rewards) and paying the bill in full each month costs you exactly the same as your debit card purchase, maybe even less if you pay debit transaction fees, AND will raise your credit score when used responsibly.
If you time it right, you can earn interest on the float for up to about 6 weeks too.

The credit cards that I like are Southwest Airlines card for free airline trips, and a Norwegian Cruise Lines FREE card that gets you a $500 credit towards a cruise after spending around $17K.

In Temecula, Hwy 79 south exit, (Pechanga casino exit) right on the west side of Hwy 15, there is a SHELL gas station across from an ARCO.
SHELL is usually the same price or a penny less than ARCO, and accepts all credit cards. It’s the consistently the cheapest station that I know of.

I never see many cars at the ARCO station.

[Coronita]

In the past, Arco was considered Craptane.  I think bad rep was

1) because arco gas was blended with ethanol (which resulted in lower gas mileage

2) the use of it's additives, or lack thereof.

These days, most gasoline has some blend of ethanol in it (burns cleaner) at the cost of fuel efficiency. So #1 is a moot point.

#2, I don't believe there's really factual information about one gas companies additive are "better" than another.

Also, Arco was bought by BP. 

Lastly, Costco buys gas from everyone, who ever is cheaper. Therefore, it could be BP,Shell,Valero,etc.

 

[CardiffBaseball]

I’m with USAA and they never charge for an ATM withdrawal. Furthermore they will refund up to $1.50 of the ATM fees you are charged by the other bank. Up to $15.00/month. As I think about it I don’t know if my AM/PM fees are reimbursed, I should check into that.

Also if I use my debit/ATM as a Visa I get cash back each month. I don’t recall the %, but I want to say 1%. I think they stopped setting up checking accounts for non-military personnel some time last year.

[Ricechex]

Gosh, I love this site!

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….

[Author]

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