Which Credit Card Co. is the least offensive?

If I had to have one card, who should I go with?

I have no personal experience, but I noticed that Working Assets has one

http://www.workingassets.com/creditcard.cfm

but it's put out by MBNA and after reading about them today on DU I'm feeling like I got snookered.

*

:thumbsup:

Providian is evil as is Household Bank.

They've intimidated a friend of mine who has their card through them as though they're a front for the Sopranos.

My intrest rate is very low and the fees are even lower, plus i like that the money goes to the credit union and not some bush supporting mega bank.

credit unions.
What power we would have.

Thanks Snotcicles! Good idea.

save your money- dont spend money you dont have
get a debit card if you need something with credit backing (most have MC/Visa). In instances where checks are not accepted a debit card can serve you like a check and them like a credit card. My advice (as having filed Ch7 last year) NEVER get a credit card.

It is no fee and you get 5% credit towards the purchase of a new vehicle. We have used over $8,500 in the earned in the last 8 years towards new vehicles. Pays for the first year depreciation!

But make sure you pay off the balances each month (of any card you have) or you are shooting yourself in the foot.

i've had a GM card for 4 years, and i think my GM earnings for a new car are about $85....granted, i don't use it like i used to, but still

My father in law is a GM retiree, so we get a discount on GM cars. In the past I would get that discouint plus a huge discount from using my GM credit card. (I charge quite a bit every month and pay balance the same month) .

Unfortunately a few years ago they stopped letting people use both the employee/retiree discount and GM card discount, so I no longer use the GM card. The other discount is better.

Currently I go by where I got the best deal on airline tickets and money back. As I didn't spend a huge amount of time researching, I won't guarantee these are the best deals. For whatever it is worh, I use a business card from Capital One and a personal card from MBNA. I have one business supplier alone where I buy spend about $4000 a month. I finally figured out a year or so ago I should be putting that on a credit card where I get something back rather than sending checks as I did in the past.

where a certain percent of your yearly spending is donated to the organization. That seems like a good kind of card to have.

Wachovia sucks

Ditto The Associates, I think they are gone

perhaps...

and out of the Mega Bank we are with, is there a source that rates Credit Unions available?

CUs are organized geographicaly and by employers. There should be one in which only residents of your city or county are eligible. Larger employers and institutions will organize a CU for exclusive use by their employees and families. Larger CUs can usually offer better rates than smaller ones. There are some exceptions.

I'm a member of a small CU organized for a local community college. They have a staff of two. Obscure building. No fancy furniture. No advertising. No hidden fees. None of that. The advantage here is the staff ratio. Since there are so few members, the staff can spend more time looking for better rates for our credit needs. But a larger CU would have more "collective credit" to leverage against a credit product.

Here's the link for NCUA, the agency that regulates CUs.

http://www.ncua.gov/indexdata.html

Not a Bank - but a depositor owned credit union. Open a checking and savings account --- and get a debit/credit card from YOUR credit union.

I moved "everything" to my CU.

Or you might investigate http://www.workingassets.com/ -- they offer a
credit card as well as good long-distance phone service; it *MAY*
have favorable (or at least humane) terms.

Tesha