Credit Cards Try To Lure You In With Affinity Cards
This post is submitted by Carmen Dellutri, Esq. of The Dellutri Law Group, P.A. and one of the founding members of the Bankruptcy Law Network. Carmen Dellutri, Esq. is also on the Board of Directors of the American Board of Certification, which is the nation's premier legal specialty certification organization.
This morning I began a new blog for the Credit Law Network on the types of credit cards that consumer's have, carry, and use. The idea for this blog came after I received multiple credit card offers in yesterday's mail. You would think that with all the marketing done by the credit cards and the wealth of information contained in their data banks about consumer trends and spending habits, they would know that there is not a chance in hell that I am going to sign up for their credit cards. I would be willing to bet that they spent a small fortune marketing to just my house. Of course, I am also on the do not bother me list. But, that doesn't seem to stop the advertisements from being sent, and the mailman from having to deliver them.
The gist of the article is to explain to the consumer that there are many different types of credit cards being marketed. If you are going to use a credit card, use one wisely, and use one where you receive some personal satisfaction out of the deal. For example, I use American Express for several reasons: First, it has to be paid off at the end of the month; Second, I can dispute a charge immediately, and I know they are going to do something about it; and Third, it has a rewards program. I like that I can receive a benefit for carrying this thing around with me when I go somewhere. While looking at rewards programs, a consumer has many different choices. There are several sites like Smart Money , Credit Cards.com, and creditcardgoodies.com, but pound for pound I believed that American Express had the most bang for my buck. So, I went with them, and I have not been disappointed yet.
So, I would direct you to read my latest article on Credit Law Network to learn more about the cards on the market. To stay even more informed on consumer issues, please read the other blogs that I am involved with, the Bankruptcy Law Network, the Credit Law Network, the Debt Law Network and the Mortgage Law Network.
