# Who's happy with their credit card?

**URL:** <https://boards.straightdope.com/t/whos-happy-with-their-credit-card/403650>\
**Category:** In My Humble Opinion\
**Created:** [May 11, 2007, 4:01am UTC](https://boards.straightdope.com/t/whos-happy-with-their-credit-card/403650 "2007-05-11T04:01:08Z")\
**Posts on this page:** 3\
**Page:** 3

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**Author:** ![Canadjun](https://avatars.discourse-cdn.com/v4/letter/c/76d3ee/32.png) [@Canadjun](https://boards.straightdope.com/u/Canadjun)\
**Post date:** [May 12, 2007, 4:18pm UTC](https://boards.straightdope.com/t/whos-happy-with-their-credit-card/403650/41 "2007-05-12T16:18:06Z")

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[QUOTE=Miss Mapp]

I did have an MBNA card that was recently absorbed by Bank of America, and I’ve just learned that they charge a fee for out-of-U.S. purchases–which I’ve never run into before with any card I’ve used, even this one when it was MBNA, and am irked about it.  
[/QUOTE]

Check the fine print of your credit card agreements. Many cards have a hidden fee for foreign currency transactions, implemented by tacking on a few percent to the exchange rate. Maybe your new card is just being more honest about it?

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**Author:** ![Canadjun](https://avatars.discourse-cdn.com/v4/letter/c/76d3ee/32.png) [@Canadjun](https://boards.straightdope.com/u/Canadjun)\
**Post date:** [May 12, 2007, 4:18pm UTC](https://boards.straightdope.com/t/whos-happy-with-their-credit-card/403650/42 "2007-05-12T16:18:53Z")

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[QUOTE=Miss Mapp]

I did have an MBNA card that was recently absorbed by Bank of America, and I’ve just learned that they charge a fee for out-of-U.S. purchases–which I’ve never run into before with any card I’ve used, even this one when it was MBNA, and am irked about it.  
[/QUOTE]

double-post; sorry!

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<div class="post-metadata">

**Author:** ![Equipoise](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/equipoise/32/151_2.png) [@Equipoise](https://boards.straightdope.com/u/Equipoise)\
**Post date:** [May 12, 2007, 5:48pm UTC](https://boards.straightdope.com/t/whos-happy-with-their-credit-card/403650/43 "2007-05-12T17:48:16Z")

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[QUOTE=Sunspace]  
I use a prepaid Mastercard from MoneyMart. I have no credit.

I was happy when the prepaid cards appeared, because after five years without MC or Visa of any sort, I could make online purchases through MC again. I still have to load the card first, though.  
[/QUOTE]  
I have a prepaid Visa through Wired Plastic and love it. I’ve had it for several years and have never had any problems. To me it’s worth $3.95 a month for the convenience of having a regular credit card that’s accepted just about everywheren, and for the protection of never ever going into credit card debt.

It doesn’t give frequent flyer miles or anything fancy like that, but I’d been accumulating points for cell phone cards all along. I didn’t have a cell phone though so I never paid attention to that part of it. Recently I got a Tracfone and I happily discovered, after buying the phone, that the points I’d been accumulating via Wired Plastic could be used for Tracfone minutes (other phone plans are offered too). I use my cell phone so little that it’s possible I never have to buy minutes again.

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