What credit cards do you use?

I use whatever is handy... but usually I'll pay cash. Use the CC and then pay off that amount ... or pay in the amount of the buy and then make the charge. Same same, etither way.

I gave some thought to the supposed 'perks' from using CC as you stated... extended warranty coverage, shipping insurance, etc.

Truth be told, I've yet to have a great exp with a CC company. IF they say 'yada yada', and it's either outright false, unfair, unjust, or they won't listen/work with me on a dispute, or issue, (they normally do not anyhow) and do as they will. Consequently, I'll not rely on their claims or perks for using their money vs. using my own.

In other words... those claims IMHO, fall upon deaf ears here.... given how they've done business in the past... with me. I've not defaulted on an account in well over ten years, been late once on one account... nearly 3 years ago, yet each and evrey CC I own, escalated my rates from below 7% to now at an avg of 14%!

One by one each co raised the bar, from the initial time frame of the govt's pursute of the current regiems crack down on credit card companies.

Invariably each one cited the 'current economic climate', and not myself as the reason. I guess getting govt bail out money, Am Ex, Chase, etc., wasn't sufficient.

Pack it up really well and tight... declare the value and keep the receipts, if there's a shipping descrepency.

aS for extended warranties? yeah. good luck with all that. If they ain't in business any more... who's responsible? Are they paying the shipping costs as well? Seeing as how most things we buy around here need shipping for fixing?

CC perks ain't all they're cracked up to be IMHO. Just another come on and another possible bag of wet hair.

I will say in a positive frame, even my banks now honor and investigate or withold outright, payment to any entity which has made false claims, or has not delievered their goods as stated. So at least Bank Am, and my Credit Union are now taking those steps they had not taken previously to protect the members funds... even if it's just a debit card purchase at POS or online..

Maybe they used a Home Equity Line of Credit (HELOC). Most banks and mortgage companies issue those with a Visa or MC logo. I had one once $250K.

AX must have improved since I dumped them back in '89.
Long story short: I moved out of state and stayed in a motel for one night.
Finally settled in once I reached my destination. Filed change of address notification and went about my business.

Never got the bill, forgot about it for (lots of stuff happening), got a notice about 4 months later that my bill was for $250. Called AX and got the worst treatment I ever experienced., Told them I was more than willing to pay the $30 but just drop the other stuff. The agent was abusive so I asked to speak to his supervisor. Was put on hold and when he came back he said he'd turn me over to a collections agency and said something like "nah nah nah nah nah nah". I seriously thought about flying out to their location and beating up the jerk.

Came back to LA about 5 months later and got a notice from a collections agency wondering how on earth I was on their list. They advised me to pay half and they would let it go away so as to not stain my perfect record. They also said they've never seen this done before for a $30 bill.

I have only one MC and that's it. I guess everyone has a story to tell. I hope mine was unique but I doubt it.

It wasn't long after that I worked for Safra Bank. Edmund Safra came from a dynasty of traders going back to the early days in the Middle East. He dealt in gold and other precious metals as well as rare coins and such. AX, in an effort to best him in some matter, defamed him so he took them to court and came this close to shutting them down for good. They had to take out a full page in the NYT and apologize to him. Right after, he opened an office right across the street from them.

That made me smile.

None, I always expect and get a cash discount of at least 5%. I have found all the 'benefits' of cards to be really worthless.