I’ve recently been getting a whole spat of ‘free balance transfer’ and ‘free cash advance’ checks in the mail from my banks and credit cards. These checks are becoming as common as the credit card offers that spawn them, and are an enticement to ‘use it now!’ on your credit card limits.
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I think I’ve mentioned before how I don’t like gift cards so this little story shouldn’t come as a surprise.
As bad as gift cards are with their pre-paid loss of interest, I’ve found that prepaid credit cards are even worse. A prepaid credit card is identical to your normal credit card, but with [...]

Amex wants my children as customers. Puts a new spin on the ‘hook them early’