For Us Canucks ...

[virtvir5]

For those of us who hate credit cards and who aren't much happier with PayPay's week-long transfer delays, would you kindly consider enabling direct EFT payments from Canadian banks. If your existing payment services provider is already certified (as Moneris, Chase, CT_Payment and others already are) it just needs to implement the Canadian Interac Online service for you.

Details here.

[EarlyOut]

Originally Posted by virtvir5

For those of us who hate credit cards....

I love mine. I've got one that always gives me 2% cash back on every purchase, and right now, I've got a new one that's giving me 5% cash back, though just for the first six months. What's not to like? I even paid my income taxes with it.

I don't care what the interest rate is, since I have never, in several decades, ever carried a balance, and of course I won't touch a card that has any kind of annual fee.

[virtvir5]

Call my not wishing to support the credit card mafia a matter of principal if you wish. I've never paid them one cent and never will insofar as I'm allowed a choice. However, they take their "middleman" cut out of every dollar spent and avoidance is as difficult as they can make it.

Is being allowed to pay cash considered as some kind of affront to "societal norms" and too much to ask these days?

[EarlyOut]

Nothing wrong with paying cash, but it does mean that you're paying more than I am.

[aeons]

Originally Posted by EarlyOut

I love mine. I've got one that always gives me 2% cash back on every purchase, and right now, I've got a new one that's giving me 5% cash back, though just for the first six months. What's not to like? I even paid my income taxes with it.

I don't care what the interest rate is, since I have never, in several decades, ever carried a balance, and of course I won't touch a card that has any kind of annual fee.

Mind if I ask what credit card (Wal-Mart, Sears or whatever?) or what bank you're using to get such a deal?

[EarlyOut]

The new one with the "5% for 6 months" deal is a VISA card issued through the AARP, so you have to be an old fart like me to get one. I'm milking that one for all it's worth right now.

After the first six months, it goes back to 1% on everything, and 3% on travel (plane tickets, hotels, rental cars), so it will get used whenever I hit expedia.com.

The one that gives 2% on everything is a VISA that was originally issued through Charles Schwab, available only to Schwab account holders. But Schwab and the card company have gone their separate ways, so it's now just a regular FIA VISA card (part of Bank of America), and I have no idea whether they're still issuing cards with this rewards rate on them. I'm betting they don't - when it was connected to Schwab, they could count on a very low default rate, so they could offer high rewards. After all, anyone who got one already had a brokerage account, and clearly wasn't living hand-to-mouth.