Thread: They think I`m a fool!

I consider rewards programs silly. There are so many ways to make those couple of % that the rewards is the last thing I'd worry about.
To me the top deciding factor in choosing a financial institution is their customer service. If they are going to be wasting my time on a regular basis I let them find different customers. The less often I have to contact the customer service and the faster they fix my problem when I do the better their chances of retaining me as a client.
I've been with a couple of banks and a couple of credit companies for over a decade and there are dozens who managed to blow their chance within a year. I don't keep all my eggs in one basket, as a matter of good principle, hence the multiple institutions. That way when I get dissatisfied enough with any of them, closing the account does not cause any interruptions.

Actually I was just last night watching an ad on the tube about B of A and their credit card that pays you. Thanks to you guys I know that they might pay but not without changing the rules while you are playing their game.

I quit using banks and all their games. Credit union is the way to go for me. They have no stock holders because the members own the bank so they are not so greedy to make money off of you. They seem to go by a different set of rules than banks and are more secure. They had an offer this holiday season to put off your car payment to have a good Christmas and the charges were not outrageous at all. They have everything a regular bank does and after you have been with one for awhile they seem more like family or friendly business associates not just people with a job. Just check one out for yourself and you will see, some are open to the public.