Credit Card Charges grrrrrr
Oct 28th, 2010, 09:48 PM
#61
Join Date: Oct 2008
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You guys convinced me to get a Capital One card today.
We rely on our ATM card overseas for cash and given that any withdrawal fees are very low when one takes out large amounts, we do a lot cash transactions.
For large bills such as in hotels and pricey restaurants, though, I have tended to use one of the two cards attached to one FF program that generate not only FF miles but high FF status for me. My practice of putting every possible transaction on those cards has been worthwhile when trying to get FF priority boarding and seating for my family, but the downside is after I get the benefit of attaining a high FF level (usually by August), the "payback" in miles for the rest of the year doesn't have much of an impact.
While I had often read here about the Capital One card, I had delayed doing anything. Then I recently had to make overseas reservations for some things that required deposits, and the FTF total floored me. Thus I had a new incentive to revise my CC strategy, and this post convinced me to start right now.
It took me five minutes to get the Capital One card today and I had fun with my husband tonight going over projected costs on our next trip and how much the new card will probably save us in FTF on our extended stay. He thanks you.
We rely on our ATM card overseas for cash and given that any withdrawal fees are very low when one takes out large amounts, we do a lot cash transactions.
For large bills such as in hotels and pricey restaurants, though, I have tended to use one of the two cards attached to one FF program that generate not only FF miles but high FF status for me. My practice of putting every possible transaction on those cards has been worthwhile when trying to get FF priority boarding and seating for my family, but the downside is after I get the benefit of attaining a high FF level (usually by August), the "payback" in miles for the rest of the year doesn't have much of an impact.
While I had often read here about the Capital One card, I had delayed doing anything. Then I recently had to make overseas reservations for some things that required deposits, and the FTF total floored me. Thus I had a new incentive to revise my CC strategy, and this post convinced me to start right now.
It took me five minutes to get the Capital One card today and I had fun with my husband tonight going over projected costs on our next trip and how much the new card will probably save us in FTF on our extended stay. He thanks you.
Nov 18th, 2010, 09:26 PM
#62
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They convinced me too. I just went online and in all of about five minutes I have a card that is not going to charge me all those fees and earn points for dollars spent. Thanks everyone for what I think has been a helpful thread for many.....
Nov 18th, 2010, 09:41 PM
#63
Join Date: Jan 2003
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Congratulations. This of course is the big selling point of Capital One cards and the reason they even eat the 1% visa/mc fee as since they are basicaly the only major credit card bank that universally waives the foreign transaction fee. If more people switched, some of the other near criminal banks that pull this garbage might have to revise their policies but if some many continue to be like lambs being led to the slaughter, these fees will continue to steal money from people unnecessarily.
