So Dish Network grayed out my credit card option with only the checking available. I've overpaid by about $500 (mostly to get enough Starwood points for a trip) and have been doing small payments recently. Anybody know how long that'll be locked out and/or hints to avoid it happening again (no more than 2 payments a month or whatever)?
mattun said: So Dish Network grayed out my credit card option with only the checking available. I've overpaid by about $500 (mostly to get enough Starwood points for a trip) and have been doing small payments recently. Anybody know how long that'll be locked out and/or hints to avoid it happening again (no more than 2 payments a month or whatever)?
Can't answer your question, but you do know that Dish Network has a little-known feature that you can pay the year's charges in full at the beginning of the year, and you end up getting a month free?
Union State Bank/Bank of Atchison/Bank of Gower, down to 2.5% (from 3.25%)
Union State Bank said: Effective October 7, 2011 the interest rate for Tier 2, balances under $25,000.01, will be 2.47% with an APY (Annual Percentage Yield) of 2.50%.
Redneck Bank: Effective November 17, 2011, the interest rate offered on Rewards Checking Accounts will be 2.50% APY* for average daily balances up to $10,000. Amounts over $10,000 will earn .75% APY*. If requirements are not met your interest rate will be .25% APY*.
Westbank Reward Me Checking Account: Beginning November 25, 2011, when you qualify the interest rate paid for your Reward Me Checking account will be 2.0% APY* on balances up to $30,000 and 0.25% APY* on balances exceeding $30,000.
West Bank is a tough one. Right now I have spare capacity on accounts paying 3% up to $15,000 with ten debit cards transactions. I could increase my transactions from twelve to 20 and keep my rate at 3%. But what should I do with the West Bank account? Keep it alive with a minimal balance, but make no effort to qualify, while I see if it becomes more competitive in the future, or close it and forget about it?
peteypablo said: West Bank is a tough one. Right now I have spare capacity on accounts paying 3% up to $15,000 with ten debit cards transactions. I could increase my transactions from twelve to 20 and keep my rate at 3%. But what should I do with the West Bank account? Keep it alive with a minimal balance, but make no effort to qualify, while I see if it becomes more competitive in the future, or close it and forget about it?
Might as well keep it open in case your other accounts fall below 2%.
my last bill that accepts credit cards is going to be paid off next month...does anyone have any creative ways to buy cash equivalents to meet the minimum debit card transactions? all my other bills are ACH
Commonwealth Bank and Trust Extreme Checking down to 2% up to 10k. Effective January 17, 2012, the Annual Percentage Yield (APY) on your maintenance fee free Extreme Checking account will change to the following:
2.01% APY for balances $0.01 to $10,000 0.40% APY for balances $10,000.01 and greater
Seems like CCU at 4.09% is still the best place for <$10K. I really hope they don't lower in next summer.
Oh, and plus, they extended the Member-to-Member $50/$50 referral (indefinitely?) The link on the page brings you to a PDF ending with the URL of "Member_to_Member_insert_no_exp". Win!
There's almost no way it will remain close to 4% for CCU, we'll be lucky if the rate after June is ~2%. Every month rates drop, and in 6 months there won't be any 4% clubs since the fed isn't raising interest rates for at least another 1.5 years. I don't forsee the end of RCA but likely rates substantially higher than online savings account will not last, most likely the highest RCA will be ~1% higher than the highest online savings accounts will be the likely rates, maybe less. Bank of internet only offers like a 0.1% increase for reward checking compared to their online savings account.
There are presidential campaigns out there that allow for a donation of ANY amount. As a test, I just donated one cent to a presidential campaign.
There are some ethical issues related to donating very small amounts to charities, but I feel just fine doing this to presidential contenders. They're all big boys who have millions in donations and expenditures each month.
So I don't cross the line into politics, I'm not going to post the name of the candidate(s) that allows for one cent RECURRING donations. However, my favorite animal is akin to a salamander.
RedCelicaGT said: There are some ethical issues related to donating very small amounts to charities, There's also the much bigger issue with doing the absolute minimum necessary to meet the rewards requirements. The minimum number of $.01 charges is going to bring the hammer down alot sooner than later, and end up screwing everyone else, who's atleast been making a half-hearted attempt, in the process.
Very true glitch, I've read about people getting shut down for only making small transactions. However, if a few small transactions were mixed in with others to meet the minimum, the account wouldn't be flagged as easily.
RedCelicaGT said: Very true glitch, I've read about people getting shut down for only making small transactions. However, if a few small transactions were mixed in with others to meet the minimum, the account wouldn't be flagged as easily.Let's just say, fee-free Amazon Payments has a much better use than scoring $10 CashBack from that extra $1k/month volume on a 1% rewards card.....
Damn it , I am blocked by Amazon and paypal on my cards. WTF. I have to make 140+ transaction this month. How could I do it without paypal or Amazon. I do not want to stand in Dominick self check out buying 140+ tomatos.
RedCelicaGT said: Very true glitch, I've read about people getting shut down for only making small transactions. However, if a few small transactions were mixed in with others to meet the minimum, the account wouldn't be flagged as easily.At the very least, if trying to skimp on the dollar amount to that extreme, shoot for 15 or 20 transactions each month even if the requirement is only 10.
Coulee Bank's Free Rewards checking account now has a new name and a new identity: Kasasa Cash™. Kasasa Cash is still a free checking account, and of course, it still pays you 2.55% Annual Percentage Yield (APY) in cold hard cash. That's more cash in your pocket each month to do with what you want. After all, it's your money, so you should benefit the most from it.
The previous Free Rewards Checking tier structure was that you earned 2.55% on balances between $0.01 and $25,000. You will continue to earn 2.55% with Kasasa Cash, but the tier will change to balances between $0.01 and $15,000. All balances over $15,000 will still earn 0.30%. The change from your Free Rewards account to your free Kasasa Cash account is effective May 1, 2012. Your current Free Rewards account number will stay the same. There is no action required on your part.
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