Master Betty wrote:

"Walter R." wrote in message
...
No need to complain about interest rates. Just arrange for an
automatic deduction of the statement balance from your bank account
every month. This will give you the convenience of credit cards (no
need to carry cash) plus 30 days grace in paying bills, plus getting a
1% to 3%rebate on all charges. If you cannot pay your balance every
month, you should not have a credit card.



I've heard the cash back argument but I do almost all my major shopping
at Costco where we already get 2% back and they don't take credit.

I always use my debit card and the bank offers some consumer protection
with ours.

I think credit cards can work well for those who use them wisely.
Unfortunately, the banks appear to be playing the odds.

If you are a Costco member you can get a FREE Amex card.
And the executive card only costs $50 more and is guaranteed to pay for
itself.

Lou