<%3Fxml version="1.0" encoding="UTF-8"%3F> Generic viagra cheap » Canadian Pharmacy - Cheap Generic and Brand Pills, Best Prices! http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/ Attempts at a Sustainable Lifestyle... Thu, 04 Aug 2011 01:25:53 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Generic viagra cheap » Canadian Pharmacy - Cheap Generic and Brand Pills, Best Prices! http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/comment-page-1/#comment-2778 Kate Wed, 26 Nov 2008 16:40:48 +0000 http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/#comment-2778 I figure that as long as I'm going to use a credit card, I might as well get the rewards. We actually have three rewards cards right now (one more than I would like, but they are all excellent no-fee, low interest rate, no surprise charges sort of cards). One gives us 5% cash back on gas each month, one gives us an automatic cash deposit each January (into our savings account) and the other accrues points that we exchange for gift cards. So far they haven't been devalued though I supposed I should keep a close eye on that. Thanks for the informative article. I figure that as long as I’m going to use a credit card, I might as well get the rewards. We actually have three rewards cards right now (one more than I would like, but they are all excellent no-fee, low interest rate, no surprise charges sort of cards). One gives us 5% cash back on gas each month, one gives us an automatic cash deposit each January (into our savings account) and the other accrues points that we exchange for gift cards. So far they haven’t been devalued though I supposed I should keep a close eye on that.

Thanks for the informative article.

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Generic viagra cheap » Canadian Pharmacy - Cheap Generic and Brand Pills, Best Prices! http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/comment-page-1/#comment-2006 SavingDiva Tue, 17 Jun 2008 19:51:23 +0000 http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/#comment-2006 I don't spend enough money to get any really big rewards...but I do love free stuff! I still remember how excited I was to get my first BR gift certificate....free money for clothes! I don’t spend enough money to get any really big rewards…but I do love free stuff! I still remember how excited I was to get my first BR gift certificate….free money for clothes!

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Generic viagra cheap » Canadian Pharmacy - Cheap Generic and Brand Pills, Best Prices! http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/comment-page-1/#comment-2001 amelia Sun, 15 Jun 2008 02:50:26 +0000 http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/#comment-2001 I manage my budget using the cash flow method and love using credit cards. Using my credit card allows me to keep money in my savings account longer and earn some interest. I simply transfer what I need to pay off the credit card balance right before I set up my credit card payment. This method also works with my husband - we used to use the cash/debit card method and had problems with cash flow because I like to keep most of my money in some sort of account that earns interest and my husband did not like having to constantly check if there was enough money in the checking account (usually there is not because of my preference to keep money in the savings account). I also like credit cards because I can easily analyze my purchases and know where my money is being spent. And finally, my Amex (Hilton Honors reward card) has this graph function I can use to analyze different spending categories. I am not the type to save receipts and input purchases, so I like that my Amex does this for me. While I dislike inputting numbers, I love analyzing numbers so the Amex fits my personality well. I am a big fan of using credit cards. But I have also always been responsible with my cards and never carry a balance. Credit card rewards are the icing on the cake - I get free hotel rooms with mine and they are such a nice treat for when we go on vacation. I manage my budget using the cash flow method and love using credit cards. Using my credit card allows me to keep money in my savings account longer and earn some interest. I simply transfer what I need to pay off the credit card balance right before I set up my credit card payment. This method also works with my husband – we used to use the cash/debit card method and had problems with cash flow because I like to keep most of my money in some sort of account that earns interest and my husband did not like having to constantly check if there was enough money in the checking account (usually there is not because of my preference to keep money in the savings account).

I also like credit cards because I can easily analyze my purchases and know where my money is being spent.

And finally, my Amex (Hilton Honors reward card) has this graph function I can use to analyze different spending categories. I am not the type to save receipts and input purchases, so I like that my Amex does this for me. While I dislike inputting numbers, I love analyzing numbers so the Amex fits my personality well.

I am a big fan of using credit cards. But I have also always been responsible with my cards and never carry a balance. Credit card rewards are the icing on the cake – I get free hotel rooms with mine and they are such a nice treat for when we go on vacation.

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Generic viagra cheap » Canadian Pharmacy - Cheap Generic and Brand Pills, Best Prices! http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/comment-page-1/#comment-1997 admin Sat, 14 Jun 2008 00:28:33 +0000 http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/#comment-1997 Hey Erica, thanks for the suggestion. I don't spend that much on my cards. I get 3% back on the Citi and Amex cards for restaurants, and 5% back on gas and groceries on my Chase card. I'm thinking of getting the Freedom card for things like utilities, though, since it's the top 3 categories of spending gets 3%. There is also 1% for everything else on all the cards. Anyway, I use my Chase Card almost exclusively for gas and groceries, so if I spend $20k on my card I get $1000 back, and that's better than $250 I think. Hey Erica, thanks for the suggestion. I don’t spend that much on my cards. I get 3% back on the Citi and Amex cards for restaurants, and 5% back on gas and groceries on my Chase card. I’m thinking of getting the Freedom card for things like utilities, though, since it’s the top 3 categories of spending gets 3%. There is also 1% for everything else on all the cards. Anyway, I use my Chase Card almost exclusively for gas and groceries, so if I spend $20k on my card I get $1000 back, and that’s better than $250 I think.

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Generic viagra cheap » Canadian Pharmacy - Cheap Generic and Brand Pills, Best Prices! http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/comment-page-1/#comment-1996 ericabiz Sat, 14 Jun 2008 00:24:48 +0000 http://baglady.dreamhosters.com/2008/06/12/keep-on-top-of-your-credit-card-rewards/#comment-1996 You may be able to call and get Chase to change your card to a Chase Freedom card. I have that one and opted for the cash rewards. If you spend $20,000, you get $250 cash back. They also have 3% reward categories like fast food and groceries instead of the typical 1%. I called Chase and they changed me to this card for free with no hassle. -Erica (Silicon Valley entrepreneur and renter; blogging at erica.biz) You may be able to call and get Chase to change your card to a Chase Freedom card. I have that one and opted for the cash rewards. If you spend $20,000, you get $250 cash back. They also have 3% reward categories like fast food and groceries instead of the typical 1%. I called Chase and they changed me to this card for free with no hassle.

-Erica (Silicon Valley entrepreneur and renter; blogging at erica.biz)

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