Capital One, no thanks.

BTW, although I immediately set up any charge card to notify me when my card is used, so I'll know if someone else is using it, no bank or cc company I've dealt with will notify someone if money comes into the account, or acts like it is, because a hold has been cancelled.

This is important because some gas stations abroad plus the rent-a-car company routinely places holds on money. The emails I get don't say if they are charges or holds, and there is no email when a hold is "perfected" into a charge. Many never become charges and the only way to tell is looking at one's account online, which I could not do, or by reading the month-end statement, which is over 3 weeks after the start of the month.

One time, the rentacar company actually put holds on that totalled 3 times what we had agreed they would charge me. They only charged the agreed upon amount, but I can easily imagine their charging, even accidentally, several hundred extra dollars.

I'm planning to use the Capital One card once a year to keep it active and no more.

The KISS rule might apply here. I have one credit card. I didn't get it until I discovered years ago that one couldn't check into a motel without one. It is nice to use it at the grocery store. No need to watch a young clerk counting out proper change. Passwords on websites are getting to be a necessary nuisance. Conventional wisdom says not to use the same one for different sites. Ok. I've written down the various ones for the sites. I still get rejected sometimes for who knows what.

We dropped Capital One years ago, when we moved to Tennessee.

Before we moved, we notified everyone, including Capital One, of our new address. After reaching our new state, we went out to buy groceries. The card was rejected. I called them. They said it was because the card was being used "out of our area." I told them that this IS our area now, and that they had been notified. The person I was talking with checked, agreed, and said he would fix it immediately. We then went to buy pet food, and the same thing happened.

The next day I mailed to Capital One our credit cards, cut into many pieces.

-dan z-

• * snips * *

I think that the credit card companies have been re-jigging things over the last couple years .. our Costco Capitol One card was recently changed to CIBC ; my CIBC pre-paid has just been discontinued as of Jan. '23 ... Credit Card execs and/or bank execs justifying their jobs .. John T.

If you qualify to join, many credit unions offer VISA or Mastercard affiliated credit cards that offer more advantages than credit cards issued by commercial banks, such as lower interest if you carry a balance and no international transaction fees. Their debit cards, which are a much cheaper alternative to using credit cards at ATMs, often have the same full fraud protections as credit cards, and sometimes rebate some or all of the fees associated with using an out of network and/or out of country ATM.

WADR, relying on one credit card would be a very bad idea for me. Two trips ago my wallet was stolen with a credit card and a debit card. U was able to borrow 100+ dollars to get back to where I was staying, and there I had left my other cc and debit cards. Without those spares, I would have had to keep borrowing money for the whole trip. With the spares, my trip continued unchanged.

Then the next trip, I lost one card (the capital one!). I had it in my hand 30 minutes earlier and I went back to every place I'd been, but no luck. I even looked in trash baskets, and I found a new pair of Micky Mouse rubber sandals, but couldn't find the card. But I still had another. Capital One would have sent me a replacment, I think, but how long would it take to get to Europe? Oh, yeah, I asked them to send one to my home, where I have a mail slot in my door, and they asked so man questions on the phone, hard questions, I gave up and waited until I got back to the US and could do it easily, online.

I'm thinking if I make another trip, I may take 3 credit cards so I'll still have two after I lose one.

I had all my passwords with me. That wasn't enough for Capital None.

They really are screwed up.

Pay in cash and you won't have such problems. I only use a credit card (I only have one) for the occasional online purchase. All local purchases are made in cash. When in line at the supermarket in front of some dolt having trouble with his credit or debit card I want to scream at him, "JUST PAY IN CASH, IDIOT!"

Who is the idiot? Paying cash sounds so virtuous but it is costing you money.

I get 3% back on one card for gas and groceries. That is about 12 cents a gallon less I pay than you do. Amazon gives me 5% back on any orders. I have a couple of out of town friends I send gifts to but never pay, just cash in the points. I have accumulated about $400 for when I make a big purchase.

My EZ Pass was just replenished. Came out of the rewards points. I drive toll roads for free.

I never pay interest but my rewards are subsidized by those that do. What would you do with an extra couple hundred a year?

TANSTAAFL. They're paying you for your personal information such as buying habits, what you buy, where you go, etc.

I go to exciting places and they pay me to excite them

• 1 My card pays me 10 cents / liter on gas ~ $ 4. every fill-up. No fees at all. Track-away Mr. MasterCard .. It mainly gets used at the gas station and the liquor store .. ... the Tax Man should be giving me a rebate ! John T.

That personal information has no cash value to me. I already know what my buying habits are. However, cash back on my credit card is worth 1% (or more) of nearly all of my expenditures. I use a credit card for everything from bread at the bakery to my utility bills. Cha-ching.

Same with me. I have lots of credit cards because they gave me about $

So what? Doesn't bother me in the least. I ignore the "targeted ads" and buy what I want, when I want.

Meanwhile, my cash back rewards from the last year will just about cover our Fall Foliage trip to New England next week. 4 figures worth.

Maybe not those problems but I'd have the problem of repeatedly replenishing my supply of cash.

I wish peoplle would realize they can put their card into the slot right away, without waiting until the cashier has rung everything up. I put it in right away and it's cleared well before the cashier is done. It takes us less time than if I paid cash. Less total time, and the time to use the card is about the time it takes to use cash, but it can be done simultaneously with the cashier scanning the food, instead of afterwards.

Same here, except when I'm using coupons (which, admittedly, I don't do very often). Then I wait until she's done and scanned the coupon(s), because it's more trouble if the cash register jumps the gun and completes the transaction before I've had a chance to say "Don't forget the coupon."

I can imagine that it has problems that way. My mother had all the coupons and since she died, I don't have any.

Five years ago there used to be a paper sign in the aisle at one supermarket urging people to put their card in right away, but the sign went away after a couple weeks. I never asked anyone why.

With regards to whomever helps you with accounting and finance matters, micky:

Capital One offers out reach to the community in many ways. It helps the community profit free (just in case you don't) Please advise:

Capital One Corporate Funder Address: New York, NY 10171 United States Website:

Capital One ScopeAthon Provides Consulting Services to Nonprofits Friday, June 29, 2018

Capital One and Others Fund Tech Training for Youth Friday, December 15, 2017

Capital One Invests $3 Million to Fund Machine Learning Research at University of Maryland Thursday, August 17, 2017

Charlie Parker Jazz Festival Kicks Off Next Week, Supported by Capital One Bank, Doris Duke and Gilman Foundations