OT - Best Business Credit Card?

Morgans wrote:

"Rachel" wrote

Er, USAA Mastercard, actually. I stopped using my Navy Federal Visa
(credit) for the most part years ago after the customer service went
south.


That is my first choice, also. For those that are eligible, their auto
insurance is also first rate, with customer service still in the US, and
good rates.

To be eligible, if you father, spouse, spouse's father, almost any of
those types of combination makes you eligible. Check into it, everyone.

I could go on for hours about USAA...have had auto insurance with them
for years, and their bank got my mortgage done in two and a half weeks,
something the title company had never seen before. :-) I've only
recently used their banking, but have been happy with it. Apparently
their insurance rates aren't as low as they used to be, but the customer
service more than makes up for it.

Cal Vanize wrote:
Rachel wrote:

Sylvain wrote:

Rachel wrote:

American Express, hands down.



I've never had a problem with anyone accepting mine.




do you travel abroad much? I got rid off my amex years
ago because of that; and in many situations/places, taking
your business elsewhere is not an option...

--Sylvain



International travel is what I use the debit card for.



"Float" has more meanings that being lighter than air or water.

Excuse me? I don't float checks and never have. What is your real issue?

Cal Vanize wrote:
Rachel wrote:

Sylvain wrote:

Rachel wrote:

American Express, hands down.



I've never had a problem with anyone accepting mine.




do you travel abroad much? I got rid off my amex years
ago because of that; and in many situations/places, taking
your business elsewhere is not an option...

--Sylvain



International travel is what I use the debit card for.



"Float" has more meanings that being lighter than air or water.

Just because you are in financial trouble and have to float checks
doesn't mean everyone else does. I've never floated a check and never
will.

"Rachel" wrote in message
. ..
Morgans wrote:

"Rachel" wrote

Er, USAA Mastercard, actually. I stopped using my Navy Federal Visa
(credit) for the most part years ago after the customer service went
south.


That is my first choice, also. For those that are eligible, their auto
insurance is also first rate, with customer service still in the US, and
good rates.

To be eligible, if you father, spouse, spouse's father, almost any of
those types of combination makes you eligible. Check into it, everyone.

I could go on for hours about USAA...have had auto insurance with them for
years, and their bank got my mortgage done in two and a half weeks,
something the title company had never seen before. :-) I've only recently
used their banking, but have been happy with it. Apparently their
insurance rates aren't as low as they used to be, but the customer service
more than makes up for it.

USAA Bank services are available to anyone. It's just their insurance
services that are limited to members. Great service and reasonable rates.
I've been a member for 28+ years.

Gerry

Gerry Caron wrote:
"Rachel" wrote in message
. ..

Morgans wrote:

"Rachel" wrote


Er, USAA Mastercard, actually. I stopped using my Navy Federal Visa
(credit) for the most part years ago after the customer service went
south.


That is my first choice, also. For those that are eligible, their auto
insurance is also first rate, with customer service still in the US, and
good rates.

To be eligible, if you father, spouse, spouse's father, almost any of
those types of combination makes you eligible. Check into it, everyone.

I could go on for hours about USAA...have had auto insurance with them for
years, and their bank got my mortgage done in two and a half weeks,
something the title company had never seen before. :-) I've only recently
used their banking, but have been happy with it. Apparently their
insurance rates aren't as low as they used to be, but the customer service
more than makes up for it.


USAA Bank services are available to anyone. It's just their insurance
services that are limited to members. Great service and reasonable rates.
I've been a member for 28+ years.

Gerry

Even loans? My brother was denied a mortgage because of a computer
glitch that said he wasn't a member.

"Rachel" wrote in message
...
Gerry Caron wrote:

USAA Bank services are available to anyone. It's just their insurance
services that are limited to members. Great service and reasonable
rates. I've been a member for 28+ years.

Gerry

Even loans? My brother was denied a mortgage because of a computer glitch
that said he wasn't a member.

USAA Federal Savings Bank as a FSB cannot restrict it's business to specific
groups. Mortgages are not offered thru the FSB, (my USAA mortgage is thru
PHH Mortgage) so it can be restricted.

USAA does try hard to limit its Bank customers to its traditional
membership. If you go thru the web and answer their eligibility questions
and don't fit one of their categories, it will tell you to call. Call the
number and specifically ask about banking. If you call the bank 800 number
and ask, they'll send you the info.

My wife got a USAA credit card back when we were dating and she had no
affiliation.

Gerry

Rachel wrote:

Cal Vanize wrote:

Rachel wrote:

Sylvain wrote:

Rachel wrote:

American Express, hands down.




I've never had a problem with anyone accepting mine.





do you travel abroad much? I got rid off my amex years
ago because of that; and in many situations/places, taking
your business elsewhere is not an option...

--Sylvain




International travel is what I use the debit card for.




"Float" has more meanings that being lighter than air or water.


Excuse me? I don't float checks and never have. What is your real issue?



My real issue? Consumer education and common sense.


Money management:

You can float purchases on credit cards until the monthly bill comes
due. Then it can be paid in full for all the previous month's purchases
even if the purchases might have been actually made over a month ago
(depending on a cardholder's "float management" and the closing date of
the billing cycle). Pay the bill in full on time and there's no
interest, monthly minimum, extra monthly fees. The banks take advantage
of those that are careless or delinquent. Pilots, by need, tend to be
very organized and should never experience this problem.

A "debit" transaction is a withdrawl from a deposit account (usually
savings or checking) and immediately pays for the transaction removing
your ability to use your money. There is absolutely no advantage to a
debit card over a cash transaction except that you don't have to carry
around cash or that you can use it on the internet (never use your PIN
on the internet).

Fraud / disputes:

In the event of fraud against your credit account, its just a matter of
disputing a transaction and its removed from your bill until the dispute
is resolved. You're not required to pay for it unless the dispute
settlement rules in favor of the merchant. It then becomes the BANK's
money involved in dispute resolution.

If there's fraud against your debit account, YOUR money is already gone
and YOU have to fight to get it back (regardless of what the
advertisements say). The dispute is over YOUR money that needs to be
REPLENISHED. You've lost control over your funds, somebody else got
their hands on YOUR money. On a PIN-based transaction verified by the
card issuer, the issuer is responsible (read "the cardholder is
liable"). There are a few exceptions, but this is generally the way it is.


That's the rules of the business (and the Fed) regardless of whether its
Visa, MasterCard, Citi, Bank of America, or Mom and Dad's State Bank and
Deluxe Chinese Buffet Catering and Vetenrary Service.

Rachel wrote:

Cal Vanize wrote:

Rachel wrote:

Sylvain wrote:

Rachel wrote:

American Express, hands down.




I've never had a problem with anyone accepting mine.





do you travel abroad much? I got rid off my amex years
ago because of that; and in many situations/places, taking
your business elsewhere is not an option...

--Sylvain




International travel is what I use the debit card for.




"Float" has more meanings that being lighter than air or water.


Just because you are in financial trouble and have to float checks
doesn't mean everyone else does. I've never floated a check and never
will.

If you only knew the meaning of float....

Jay Honeck wrote:

Whose is best? What card do you guys use?

My business card is with CapitalOne. Credit line is $20,000 (that's the initial
limit; I've not had it increased). They have some sort of "miles" refund scheme.
You can cash them in on airline tickets or cash. Last year, I got over $200
back, but I have no idea how much I charged on the card. APR is 10.87%, but I
pay full balance every month. They've treated me well so far.

http://www.capitalone.com/indexa.php

George Patterson
Coffee is only a way of stealing time that should by rights belong to
your slightly older self.

Gerry Caron wrote:

My wife got a USAA credit card back when we were dating and she had no
affiliation.

Got a link? "Ask Jeeves" gave me garbage.

George Patterson
Coffee is only a way of stealing time that should by rights belong to
your slightly older self.