Bank charges suck!

[DianaB]

That's a bummer. We don't have a debit card. I've heard that it they are taken and used that you are just out the money. A credit card is much safer.

I charge almost everything on my credit card any more. I get 1% back on all my purchases. This last Christmas I cashed in my points and got 9 $50 gift certificates......that's $450!!!!! The credit card that we're with has a lot of choices on what gift certificates you can get so the girls each got one for Penneys and the guys each got one for Gander Mountain and I got one to one of my favorite clothing stores. It took me two or three years to save up enough points but it's definitely worth it. Also we make sure that we pay the credit card off as soon as it's due so we don't accumulate interest or finance charges.