Responsible for a centennial credit cards Budget? 10 Terrible Ways to Spend Your Money
I have a couple of favorites on my credit card statements. One is the Centennial and the other is the American Express Platinum. In either case, this is a credit card that has something for everyone and is a great deal.
A Centennial card offers 2% cash back on many purchases. A Platinum card offers 1% cash back on many purchases. A Business (or Business Plus) card offers 5% cash back on many purchases. A Diner’s Club card offers 7% cash back on many purchases.
All of these cards offer either 2% or 5% cash back on purchases. You can get a credit card like American Express Platinum with a 2% cash back on all purchases, a Business or Business Plus card with a 5% cash back on all purchases, or a Diners Club card with 7% cash back on all purchases. However, if you’re paying for a lot of things that day there is rarely a need to use more than 2% or 5% cash back.
You should read the card’s fine print and make sure your balance is set up for maximum cash back. It’s best to pay for your purchases when you are in a good mood and you will have a higher chance of getting a bonus cash back.
It appears that, in an effort to make life easier for potential customers, and to keep them from getting lost in the endless stream of information on the net, Bank of America has decided to make the life of the customer even more easy. They have placed a “pay ahead” button on their web site, that when clicked sends the customer a text message asking him to “Pay Ahead” for something that day.
This is an incredibly annoying way to make life easier for people who have to pay for their purchases every day, especially when they’re in a rush. I don’t know what Bank of America’s business model is, but it sure is annoying.
The text message is sent because the customer has to pay for something, but really its just to annoy people. The same thing happens when an account is canceled, a charge is made, a debit card is used, or an ATM card is used. This is to make it easier for people to pay for things.
This is also why I’ve recently purchased a prepaid credit card for myself. You can send a text message to a number to pay for something, but then you can also use it while you’re on a bus or train and make sure it’s paid for. That’s what that one does for me. It makes it super easy to pay for things.
This is all very well and good, but it doesn’t really make you any money. The same thing happens when debit cards are used. You’re going to get charged every time you use the card, but the charge is going to be smaller than if you bought the item in cash.
You do need to be careful about using a debit card to pay for things, because you can end up with a charge that far exceeds your actual purchase price. What I really hate about debit is that you can charge anything you like for anything you like. This includes all sorts of things, so even while its true that its a little bit more expensive than a credit card, its still not a lot.