how much do you spend in a year for AF?

[Anonymous]

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@Membersince2013 wrote:

Oh gosh...Please dont make me think about it...Darn it, you've done it.

Arrival+ (Pending) - $89

Amex Plat (pending - $450

PRG (pending) - $175

SPG (pending) - $65

BCP - $75

HHonors Surpass - $75

Venture (Pending) - $59

Ritz Carlton - $395

Southwest Premier - $99

Hyatt x2 (pending) - $150

US Airways Mastercard x 2 - $178

Marriot Permier x 2 (pending) - $170

Total = $1980

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Holy crap...

I pay $5 a month to my Cap1-QS and desperatly want to get rid of it but its an 11yr old CC.

[takeshi74]

http://ficoforums.myfico.com/t5/Credit-Cards/Closing-Credit-Cards/m-p/347190?jump=true

[GetMeSlick]

Just out of curiosity folks.  

How will the credit card companies treat us if we get a AF card and close it before next renewal. Will they offer us again a new same card/different card down the line 3 mos or 6 mos later?

[bdhu2001]

$0 for credit cards, but my overdraft protection for my checking has increased to $12 per year.

On the one hand, I never use it and feel like maybe I should cancel it; but on the other hand, $12 per year  for peace of mind isn't that much.  Besides I hear that they charge people more than $12 when they bounce checks these days and the pity of it is that the people pay the fee and the check is returned to the sender.  I also realize that there is some sort of fee, even with overdraft protection but since I haven't used it in over $15 years, I don't know the amount.

I guess I just have to realize that I blow more than $1 per month on other things so $1 for overdraft insurance isn't that much.  Yes, I have to think of it like insurance.  I pay insurance on my car monthly, insurance on my house, etc.  Insurance is for peace of mind to protect the things you care about or that would cause financial hardship to do without (i.e. peace of mind).

[Imperfectfuture]

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@bdhu2001 wrote:

$0 for credit cards, but my overdraft protection for my checking has increased to $12 per year.

On the one hand, I never use it and feel like maybe I should cancel it; but on the other hand, $12 per year  for peace of mind isn't that much.  Besides I hear that they charge people more than $12 when they bounce checks these days and the pity of it is that the people pay the fee and the check is returned to the sender.  I also realize that there is some sort of fee, even with overdraft protection but since I haven't used it in over $15 years, I don't know the amount.

I guess I just have to realize that I blow more than $1 per month on other things so $1 for overdraft insurance isn't that much.  Yes, I have to think of it like insurance.  I pay insurance on my car monthly, insurance on my house, etc.  Insurance is for peace of mind to protect the things you care about or that would cause financial hardship to do without (i.e. peace of mind).

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Um, most credit unions allow you to link the savings account for overdraft.  Never needed.  They also offer lines of credit, don't use them as of now.  Fee if I bounce something is $5.  Never heard of paying for overdraft protection.

[Anonymous]

CSP - $free  

Ritz - $395

Biz SPG - free 1st year (65)

PRG - free 1st year (195)

Platinum - $450

Biz Platinum - $450

Prestige - $450

Fidelity - $200

NFCU - $49

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$1994 this year....  $2254 next year... ouch!  

But I do take advantage of the airline credits which total to $1050.  I suppose you can subtract that off the total AF's.  

[EdMan63]

So far only

AmEx Delta Gold $95

It hasn't billed yet but it will more than pay for itself with the check bag fee. My wife and I travel pretty frequently with Delta for business and pleasure so it will pay for itself many times over.

[Ragelog]

$0

[Anonymous]

Odd to pay for overdraft protection. I have a Capital One 360 checking and they have an overdraft line of credit. If you go over it's basically a 11.25% APR loan for the amount and duration you are over. It's what made me switch after getting hit with $72 in overdraft fees from US Bank after I let my balance dip to -$20 for a few days (this would have cost me literally pennies at Capital One).

[SMDLiquid]

CSP - $95 Have not paid yet , Keeping the card

SPG - $65 Have not paid yet , Keeping the card

Amex EDP - $95 Wife paid , Keeping the card

US Airways - $89 Paid , Downgrade after year is up or closing it not sure yet.

Total $344 Thats more than I ever thought I would pay for credit cards