On 5/5/2005 11:28, J Godwin wrote:

"Matt Barrow" wrote in news:H9see.18$nu.754
@news.uswest.net:


I carry an AMEX card and a BofA Visa & ATM card. Anything else is someone
looking to lift your wallet.


What really surprised me was that AmEx was the most reasonable on interest
rates; but their grace period is the shortest of all the cards that I
carry. It is currently my card of choice (I never thought that would
happen).

When I took a month-ling trip to Australia, I needed a temporary increase
in my credit line. MBNA said no, AmEx said no problem.

I had a Discover Card at one time and, like all my other cards, paid by
Electronic Funds Transfer. They were taking as many as 5 days to credit
the payment so they could hit me with late charges. After my bank
reimbursed me for the late fees, I closed the account.

I had exactly the same problem with the Discover card. I had paid by
check, and was able to show that they cashed it before their late
payment deadline (with a photocopy of the canceled check). They then
said that it was necessary for the payment to get through their system
before the deadline, and the date they cashed it was irrelevant.

Amazing.

I paid it off and closed the account.

--
Mark Hansen, PP-ASEL, Instrument Student
Sacramento, CA