Is there such a thing? :) I’m not sure to be honest with you, BUT today we’re going to pretend and say YES! There IS a perfect credit card out there, we just haven’t told the world what it is yet! So let’s do something about that shall we?
Here is your form to fill out – which I stole from Dinks Finance because it is awesome and clever and all sorts of exciting for financial nerds like ourselves:
I wish my credit card had _________
I hate that my credit card has _________
I wish I could pay for __________ with my credit card
I always use my credit card to purchase _________ because __________
I’m going first because it’s my game:
- I wish my credit card had a shut off valve. Like, whenever it smells alcohol on my breath it only allows me to spend $20 max!
- I hate that my credit card has expiration dates. It is soooo annoying to go back and update everything every other year. Why can’t they just last forever? (security, i know i know… blah blah)
- I wish I could pay for my mortgage with my credit card! That would be over TWO THOUSAND DOLLARS a month almost doubling the reward points I’d get!!! Man that would be awesome.
- I always use my credit card to purchase everything i possibly can because i use my credit card as a budget! Bitch! Haha… can you tell I’m feeling feisty today? But seriously, I would honestly be one happy man if I could use just 1 piece of plastic to pay for every single thing in my life. It’s total convenience in my pocket! (fyi though, this is *not smart* for those who know you’re bad at paying off your bills and staying on top of it. you all should stick w/ cash & debit. and on the plus side, you will probably end up spending less than people like myself since there’s always those studies whic show you save like 20% more by not using credit cards.)
Okay, your turn :) If someone was customizing a credit card just for you, what would you want from it? Feel free to add in your own lines for us to fill in too – if I catch some new ones I’ll update my list w/ ’em. W00T!
(World of Warcraft card via Ivan Walsh)
Bonus tip: Find a good "balance transfer" offer to help pay off debt faster!
If you’ve been making payment after payment (on time) and still haven't been able to get your debt under control, snatching up a good balance transfer credit card offer may be the ticket to try. That’s where in order to gain your business - credit card companies will let you transfer your existing debt to a new card and let you pay ZERO PERCENT interest on it. Saving you tons every month!
What's the catch? Usually balance transfer cards charge a fee (around 3% of your debt balance) to let you transfer your balance to their 0% interest offer. But we've found a great credit card that will let you do a balance transfer absolutely free. Click here to learn more and see if you qualify!
PS: If you don't trust yourself with another credit card, ignore this! This strategy is to help you get out of debt quicker, not risk adding more to it.