LOL, One of my relatives who paid CC interest for years tried to tell me that years ago, recently he had to give up his credit cards for debt consolidation.
Perfect example : Back when I traveled frequently I once misplaced a bill and Chase charged me both interest and a late fee (owch!)
I immediately paid the entire balance with bill pay and then called them a few days later and politely and calmly asked them to refund BOTH to my account (remove both charges from my balance) .
Chase reply “No problem.Is there anything ELSE we can help you with?”
I answered : “No, but I love my chase”
Don’t you find it ADORABLE?
I love the cash rewards, plus, I don’t even wait til I get my statement. Once the charge shows up online, I make a payment.
Haven’t made an interest payment since 2008 (only because I put my father’s entire funeral on my card, and even then I paid it off in 3 months).
They should call it a McDonald’s card, because I’m lovin’ it!
Had a Citibank MC for years and years. Never used it, except for unusual things. I have a different card that’s my primary. About 4 years ago, I got a letter that they were going to start charging me a $60 a year fee to “improve service.” It didn’t take me 30 seconds to be on the phone with them to cancel the account. The rep. tried to tell me that if I would just charge $2000 a year to the card, they’d “rebate” me back my $60. I told her that was extortion and to look at my record to see I never used the card. I think they were trying to drum up business. I just closed the acct. and never looked back.