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Is there a credit card company that's somewhat...good?

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desura

Diamond Member
Just out of curiousity. Yes, credit card companies are evil, but which ones are less evil than others? Like, I have a Bank of America card right now but I've been meaning to get rid of it for a while.
 
What do you use your credit card to buy?

edit: it all depends,.. if you buy heavily from Amazon.com for example, get their card - you get more points to spend on buys from Amazon, or towards a vacation, etc.
 
I would say most credit cards are good providing you pay them off each month. I have a Merrill Lynch rewards card (now part of BOA) and have never had any problems.
 
well, what I mean is a credit card company which is actually a good corporate player. Like, Bank of America and Citigroup were disgusting in the 2008/2009 financial crisis. I'd rather take my business to a new up-and-comer in the financial player world.
 
You're question is too ambiguous. What is "good" to you? High rewards points? I mean, as long as you always pay your balance in full and on time, nothing else should really matter. I have three credit cards, only use one.. But I can pay them all online and it's simple. They give reward points but I don't really use them enough for it to make a huge difference.
 
SaurusX said:
Finding an altruistic bank with a conscience may be difficult.
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well, what I'm trying to say is I'd like the least bad bank. Like, a bank that wasn't involved with the mortgage crisis and had to be bailed out by the government, if that's at all possible.
 
z1ggy said:
You're question is too ambiguous. What is "good" to you? High rewards points? I mean, as long as you always pay your balance in full and on time, nothing else should really matter. I have three credit cards, only use one.. But I can pay them all online and it's simple. They give reward points but I don't really use them enough for it to make a huge difference.
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Well, what I mean is your standard 0 yearly fee 1% back card, but also one whose corporate parent wasn't involved in the Wall Street meltdown.
 
IronWing said:
You can get a CC from a credit union.
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Yeah, this is probably your best bet. The credit union theoretically attempts to maximize the experience for its members.

However, I've never had a credit union card (only been a member of 3) that has had rewards like my BofA card. (4.5% rewards on gas)
 
If you are good with paying on time and WHOLE balance before due date, any of the cash back CCs are good IMO. I don't care for points and/or miles.

I am thinking about the new Capital One 1.5% cash back on EVERYTHING Quick Silver card. Tempting.
 
desura said:
well, what I mean is a credit card company which is actually a good corporate player. Like, Bank of America and Citigroup were disgusting in the 2008/2009 financial crisis. I'd rather take my business to a new up-and-comer in the financial player world.
Click to expand...

What are you looking for, a bank run by monks? They're a business like any other. Just find a low interest rate and use it responsibly.
 
I'm glad I didn't choose my credit cards based on their parent companies business practices, but rather on the merits of the card itself.

The best card (from a customer service and worthwhile company standpoint) is my USAA card, but based on the OP's prior posts, he would never qualify for it.
 
desura said:
Just out of curiousity. Yes, credit card companies are evil, but which ones are less evil than others? Like, I have a Bank of America card right now but I've been meaning to get rid of it for a while.
Click to expand...

Why are credit card companies evil? They let me spend their money for 30 days before I have to pay back and pay me to do that while at it.
 
desura said:
well, what I mean is a credit card company which is actually a good corporate player. Like, Bank of America and Citigroup were disgusting in the 2008/2009 financial crisis. I'd rather take my business to a new up-and-comer in the financial player world.
Click to expand...

I think you need to clarify what the fuck are you talking about. I'm starting to think this is a retard/troll thread.
 
halik said:
I think you need to clarify what the fuck are you talking about. I'm starting to think this is a retard/troll thread.
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They leverage their market assets to continuously grow in margins and marketshare? Thus, ensuring they will be around for awhile?
 
desura said:
Well, what I mean is your standard 0 yearly fee 1% back card, but also one whose corporate parent wasn't involved in the Wall Street meltdown.
Click to expand...

Err so a bank that doesn't lend money for mortgages. You might wanna look up the definition of what banks do.
 
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