Bass Pro Credit Card

[flippin and pitchin]

Start with a credit union and get a low limit if you plan to have a card at all.  That rewards crap does not pay off. Let me say it gain, a BP rewards card is not a way to save. It only endentures you to shop with them.

[SirSnookalot]

I also haven't found a need to go back more than a year max for any financial statement but your results may vary.

For financials I don't keep them much more than a year before shredding.  The norm for me is wanting to access my info very early in the morning, there have been times when their server is down for maintenance or some other technological reason.  Being in business all those years it's just common practice for me to be totally backed up with both hard copy and my computer, I wasn't computerized for business until about 1992, I still have my business files from 30 years ago, ya never know.

 

Rewards do work, just 2 examples are a cash back card I have that yields me a few hundred every now and then, and another I have we get free airline tickets a 2 or 3 times a year.

 

Not knowing what one's credit limit is, there is no reason not to carry the card. If your limit is say $2000, that's like walking around with 2k in cash, doesn't mean you have to use, doesn't mean you can afford something, but it does mean you have the means on the spot to handle an emergency if needed, all that's required is self discipline.  

[Sam]

AFoster, may I suggest you consider the following?

 

1.  Set up on-line bill pay and pay your card's balance electronically.

2.  Consider depositing on the card the amount you will be charging before you charge it.

3.  Always check on the card's balance on the Internet and when you get your statment. Look for any charges that are not yours.

4.  Leave credit card card home in a safe place and only take it with you when you plan to use it.

 

You need to build up credit and a credit card is a good way to start. Just don't abuse the priviledge.

[flyfisher]

AFoster, may I suggest you consider the following?

 

1.  Set up on-line bill pay and pay your card's balance electronically.

2.  Consider depositing on the card the amount you will be charging before you charge it.

3.  Always check on the card's balance on the Internet and when you get your statment. Look for any charges that are not yours.

4.  Leave credit card card home in a safe place and only take it with you when you plan to use it.

 

You need to build up credit and a credit card is a good way to start. Just don't abuse the priviledge.

All great points but some cards will not allow you to "pre-pay" prior to a purchase.  Usually it is only a certain percentage above the balance.

[Marty]

That rewards crap does not pay off.

 

I have to disagree. I have a card with a credit union that has no annual fee and I pay off the balance every month. A lot of money goes through that card what with groceries, dental and medical bills and just about every purchase over $10. I've gotten $100s in rewards (all taken in the form of gift cards or cash) and it hasn't cost me one cent.

[SudburyBasser]

That rewards crap does not pay off.

 

I don't know. I'm flying for free to Chicago this year. It all depends on how you use it. I pass many of my bills through my credit card, pay them off and get rewards points.

 

I do see many people make stupid purchases based on getting rewards but if you're responsible with it and not doing anything you wouldn't ordinarily do you can make those rewards programs work.

[scbassin]

It's with Bank of America. Run Forest Run!

[flyfisher]

I have a best buy credit with rewards that i use for groceries and gas and i can pretty much do all of my christmas shopping each year with the rewards.

 

To me if there is no annual fee then any rewards is better than no rewards.