sunil@ut-ngp.UUCP (Sunil Trivedi) (06/10/85)
I've been enticed by by the following for padding
my wallet with more plastic:
1) First National Bank in Albuquerque (FNBA)
AAA/VISA : No deposit required; AAA membership
initially required;
$10/year;
Annual interest rate: 18.4% (?)
See local American Automobile Association
2) CoreStates Bank of Delaware
P.O. Box 8924, Wilmington, DE 19899
VISA,MC : No deposit required;
$18/year each or $25/year for both;
Annual interest rate: 17.9%
1-800-833-3010
3) Citibank, South Dakota (?)
VISA,MC : No deposit required;
$20/year;
Get Citidollars (similar to AT&T Opp. Credits);
Annual interest rate: ?
4) Interfirst Bank, Dallas
VISA/MC : No deposit required;
No charge for first year;
Finance charges begin on day of purchase;
Annual interest rate: 21.0% (?)
I was also offered the AMEX card, but for $35/year it was not as
'attractive' as the VISA/Mastercard offers above. Actually they
(American Express) pestered me three times, telling me that I should
be honored to be offered an AMEX card. But somehow I felt that
I didn't need the 'honor'. Interfirst Bank offered me a lure of
a $1000 credit limit, but Interfirst (like all Texas banks) charges
interest from the day of purchase unlike most 'normal' banks that
give a grace period which extends after the date the bill arrives,
so I declined it.
If anyone can add to this list, please post it, since there are
many out there who live on credit.
Sunil Trivedi
sunil@ut-ngp.ARPA
...!ut-sally!ut-ngp!sunil
"Beam me up fast Scotty - there's no toilet paper down here!"
{No reference to 'discussion' on net.women/net.flame}tkoppel@udenva.UUCP (Ted Koppel) (06/14/85)
In article <>, sunil@ut-ngp.UUCP (Sunil Trivedi) writes:
-->
--> I've been enticed by by the following for padding
--> my wallet with more plastic:
-->
--> 1) First National Bank in Albuquerque (FNBA)
--> AAA/VISA : No deposit required; AAA membership
--> initially required;
--> $10/year;
--> Annual interest rate: 18.4% (?)
--> See local American Automobile Association
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
The local AAAs have made arrangements with local banks; in Denver the
AAA-VISA is handled by United Bank of Denver and is predicated by
one's being a member of their LOCAL AAA. he cost is still low ($12/yr)
but the interest rate is no more (or less) competitive than any other
credit-card granting bank in the Denver area.
Advice: Caveat emptor !!!
--
Ted Koppel : University of Denver Penrose Library : 303-871-3429
{boulder, cires, cisden, denelcor, hao, nbires}!udenva!tkoppel
{bilanc, csm9a, elsi, koala}!udenva!tkoppelthomas@utah-gr.UUCP (Spencer W. Thomas) (06/18/85)
In article <1805@ut-ngp.UUCP> sunil@ut-ngp.UUCP (Sunil Trivedi) writes: > I was also offered the AMEX card, but for $35/year it was not as > 'attractive' as the VISA/Mastercard offers above. I have been resisting AMEX, too. I recently found a reason to have one, however. I was trying to guarantee a hotel reservation, only to have the hotel tell me that they didn't take VISA or MC as guarantees anymore. Apparently, it is too easy for the customer to "weasel out" of the charges when using one of these cards. Then VISA or MC refuse to pay the hotel. So, I guess I'll break down and get a (green) AMEX card. -- =Spencer ({ihnp4,decvax}!utah-cs!thomas, thomas@utah-cs.ARPA)
ark@alice.UUCP (Andrew Koenig) (06/19/85)
Valley National Bank Bogota, New Jersey 07603 No deposit required No annual fee No finance charges if you pay your bills on time Current interest rate 19.68%
jer@peora.UUCP (J. Eric Roskos) (06/21/85)
> I have been resisting AMEX, too. I recently found a reason to have one, > however. I was trying to guarantee a hotel reservation ... AMEX is a different kind of card from Visa or MasterCard; it is a "charge card", whereas the other 2 are "credit cards". You have to pay the full amount of the AMEX bill at the end of the month. Personally, I am philosophically opposed to the use of credit cards (for obscure reasons having to do with economics which are debatable, and which I don't want to debate here). However, after I graduated from college and began work, I found that in the "real world" one is "guilty until proven innocent" as far as the necessary business transactions of life are concerned (I had great difficulty opening a savings account here in Florida, since the banks required a Florida driver's license and a credit card; apartments assume if you don't have a credit card it means you can't pay their rent; etc), and thus reluctantly obtained a charge card. I got the American Express because it involves no real notion of credit, since you are required to pay all of it at the end of the month. (This philosophical opposition goes back to something Shakespeare said once. You know... Never a borrower, nor a lender be. Never forget. Stay out of debt. If you take this good advice from me, You will always be free. There's just one other thing You ought to do... To thine own self be true. [No, Shakespeare didn't really put it that way... that's from Gilligan's Island.]) -- Shyy-Anzr: J. Eric Roskos UUCP: ..!{decvax,ucbvax,ihnp4}!vax135!petsd!peora!jer US Mail: MS 795; Perkin-Elmer SDC; 2486 Sand Lake Road, Orlando, FL 32809-7642 "Fheryl qnloernxf pebff bhe cngu, naq fgnl, znlor, njuvyr..."