ࡱ> @ .bjbjFF _E,,#,       4@hp$,@z7( 6666666$D8R:\7 """7  h47###"  6#"6##*2  I6 *x^#F5R6J70z75R:#@:I6@@    : I6&#4x&&&77@@D#@@CREDIT CARD BENEFITS These days, the plastic card you pick may entitle you not only to a generous line of credit but also to travel insurance, emergency cash, airline tickets, a discount shopping service and maybe even a chauffeured limousine to the airport for little more than the cost of a taxi. The primary reason for this proliferation of products and services is competition. With the entry of such players as Sears Discover card, plus the eagerness of banks to expand clientele beyond state borders, card issuers are courting customers by spiffing up cards with incentives, known as enhancements. Although certain of these extras may be tempting for their convenience or apparent savings, think twice before signing up for them. If the issuer of your card is not charging you for these perks directly, you will probably pay for them through hefty annual fees and interest rates. The rate charged on credit card balances can exceed 18% APR. Card issuers have resorted to offering a wide variety of extra benefits, rather than reducing the interest rate. Discount Shopping For an extra annual fee, many banks will enroll credit card customers in a toll-free shopping service such as Comp-u-Store, which offers items from fresh flowers to cars at below list prices. Although the prices may be no lower than those you can find at many big city discount stores, the services may save you money if you live outside a large metropolitan area. Toll-free Message Service While traveling, you can leave or receive messages by calling an 800 number, which is useful if you travel in and out of cities so quickly that your family and associates have trouble reaching you at your hotel. Neither you, nor anyone calling you, is charged for individual messages. Checks Instead of getting a cash advance on your cards, you can write a check against your card account. The main advantage is that the checks are accepted at many stores that do not honor credit cards. However, unlike most card purchases, which start accruing interest 25 to 30 days after your bill is mailed, credit card checks (like cash advances) set the interest meter running as soon as they clear the bank. Of course, in most cases you are borrowing money at higher interest rates than you would pay for a personal loan. Emergency Cash Advances If your card is lost or stolen while you are out of town, you may call an 800 number and make arrangements to obtain cash from a local bank, Western Union office or cash plus tickets at any airline office. The amount cannot exceed your credit line. As with any cash advance, you are billed on the monthly statement, and pay interest on the unpaid balance. Card Registration and Insurance Send a list of all credit cards to a registration service, which will notify issuers if you later report the cards lost or stolen. You are also insured against losses from fraudulent use of the cards. Registration services are of dubious value unless you are in the habit of carrying a wallet full of credit cards and do not want to go to the trouble of calling each one individually. The insurance may not be that valuable, since liability is limited to $50 a card and you do not even have to pay that if you alert the issuer before the lost or stolen card is used. Travel Life Insurance You can receive as much as $1,000,000 in travel coverage when you charge an airline ticket on a card. Of course, given that the risk of dying in a commercial disaster is extremely remote (there is only one death per half-million passenger miles), flight insurance is hardly a bargain if there is any associated cost. BIG CITY BANKS In general, big city banks offer the most perks because they tend to look upon credit card operations as important profit centers rather than merely as services for regular banking customers. For example, Citicorp has been trying to broaden its already large national base of cardholders. Thus, it was one of the first banks to offer enhancements and is still among the leaders. In addition to CitiShopper, Citicorps trade name for the Comp-u-Store service, Citicorp has two rebate programs: CitiDollar CitiDining Both are designed to encourage cardholders to charge up a storm. You get a certain amount worth of credits with every $100 charged. Credits may be applied to one of a dozen or so household products in a catalogue that the bank mails to cardholders four times a year. In the past, cardholders were offered a Sharp Carousel II microwave oven for $140 plus a certain amount of CitiDollars. It was a bargain at that time. Once the card holder has accumulated so many CitiDollars, he or she may apply them to the CitiDining program, which gives discounts on restaurant meals, excluding tax, tip and wine or liquor, at participating restaurants. Bank of America in California, the second largest bankcard issuer, is trying hard to catch up by offering an even more impressive array of perks. In addition to a discount shopping service called Value-America Shopper, the bank encourages cardholders to sign up for Trip-America, a travel service through which they earn discounts on vacations. For an additional annual fee, the bank also offers a service called Law America, which provides cardholders in California, Florida, Illinois, Massachusetts, New Jersey, New York, Pennsylvania, Texas and Washington State with unlimited personal advice by phone from specific attorneys in those states. The lawyers will draft and review documents such as real estate contracts and leases at no charge. More complex legal services, such as court appearances, are available to card holders at a charge much less than most law firm's charge. TRAVEL AND ENTERTAINMENT CARDS Diners Club International, a unit of Citicorp, the parent company of Citibank, offers the most comprehensive enhancement package for travel and entertainment cards. Most companies require bills to be paid in full at the end of each month, but the Diners Club gives members two months. Frequent travelers can turn points earned through charges into free gifts. For example, previously available awards were: 23,500 Points - Montblanc Le Grand Rollerball 51,000 Points - Ninetendo 64 Game System 81,000 Points - Ladies 14 carat Gold Diamond and Sapphire Pendant Diners Club has teamed up with Kinkos, United Airlines, American Airlines and Hilton HHonnors to bring a special opportunity to earn Club Rewards points. Also, 15,000 CITGO Stations in the U.S. accept the Diners Club card. American Express offers holders of its standard green card a handful of perks, including discount long distance telephone calls through MCI and AT&T, which may be charged to your cards, and access to thousands of automatic teller machines in the United States, Europe and Japan. Sears is relying heavily on enhancements for the Discover card, a general-purpose credit card, available nationally since the late eighties. Sears frills include merchandise credits equal a certain percentage of a cardholders charges and discounts on hotels and rental cars. A novel bonus is a high interest savings account available only to Discover holders. Discover was introduced with no annual fee, though Sears may decide to impose one. Users do have to pay an interest rate on charge account balances, however. INTEREST RATES For many credit cardholders, the best enhancement of all would be lower interest rates on balances. Many consumers would switch banks just to save interest. Some card issuers, mainly small banks and savings and loan associations, are taking the hint. Chevy Chase Savings & Loan in Maryland, which accepts out-of-state accounts, offers one of the best deals. A few large banks are starting to follow suit. Manufacturers Hanover Trust in New York City, the countrys fifth largest bankcard issuer, dropped its credit card rate recently to two points. Manny Hanny, which aggressively solicits out-of-state MasterCard and Visa accounts, continues to offer such perks as extra cards, checks and credit life insurance that will pay off the balance if you die. Pushing down rates. In some states interest rates are limited by law. Consequently, banks in those states tend to charge less interest on card balances than do issuers elsewhere, though annual fees may be as high as or higher than those of banks in other states. If you pay the bill in full when it arrives, as about a third of Americans do, you are apt to be more interested in the amount of annual fee than in the interest rate. Banks with the highest rates tend to have the lowest service charges. Most banks charge $20 to $35 for regular Visa and MasterCard's and up to $50 or more for gilded counterparts, premium Visa and MasterCard's, which have higher credit lines. Call your local bank for actual rates. When choosing a card, note whether the issuer provides a grace period after you make a purchase before charging interest. A good number of all banks now start charging interest on the purchase date. Sources:  HYPERLINK http://www.dinersclubus.com www.dinersclubus.com  HYPERLINK http://www.dinersclubnewsroom.com www.dinersclubnewsroom.com Page  PAGE 3  DATE \@ "MMMM d, yyyy" February 10, 2005  Founders Group Report  DATE \@ "MMMM d, yyyy" February 10, 2005 Page  PAGE 4  DATE \@ "MMMM d, yyyy" February 10, 2005 For advice on this topic or other areas of your financial life, contact me at:  HYPERLINK "mailto:pferraresi@foundersgroupinc.net" pferraresi@foundersgroupinc.net * (713) 871-5919 Founders Group, Inc * 4635 Southwest Freeway, Suite 162 Houston, TX 77027 * Fax (713) 425-0346 Page  PAGE 5  DATE \@ "MMMM d, yyyy" February 10, 2005 IhQ+R+y+z+{++++++++++++++++++++++ ,,, ,!,&,¼nX+h_7h>X56B*CJ4OJQJaJ4ph)h>X6B*CJOJQJmHnHphu'jh>X6B*CJOJQJUphh>X6B*CJOJQJphh>X0JmHnHujh>X0JU h>X0JhQJt5B*ph h_75jh>XU h>X0Jjh>XUjh>XU h>X5\h>X"+ , _ ` + , > ? ~ & F$gd>Xgd>Xgd>X+ .~234CD45@KLYZGHI & F%gd>Xgd>X & F$gd>Xgd>XIhi  3 \ !!"""##$$$$$ &!&''(gd>X & F&gd>Xgd>X((b)c)F+G+++++++!,",#,$,%,&,l,m,n,$a$gd>X$ !$ $&dPa$gd1gdQJtgd_7 8gd>Xgd>X&,',(,=,>,?,X,Y,j,k,l,n,t,u,{,|,},~,,,,,,,,,,,--5-͹͹~~s~͹͹i_Y h>XCJjh>XCJUh>XCJ^JaJh>X0JmHnHujh>X0JU h>X0J+h_7h>X56B*CJ4OJQJaJ4ph)h>X6B*CJOJQJmHnHphu'jh>X6B*CJOJQJUphh>X6B*CJOJQJph+h>+h>X56B*CJ4OJQJaJ4phh>Xjh>XUn,o,,,,-i------- . . ..gdQJt$ !$ $&dPa$gd_7 !$ $&dPgdh$a$gd>X !$ $&dPgd>X5-6-7-V-W-h-i-|-}-~-------------------ʽʽԲtdPdP'jh>X6B*CJOJQJUphh>X6B*CJOJQJphh>X0JmHnHujh>X0JU h>X0Jh>X0JCJOJQJaJ hhh>X0JCJOJQJaJh>Xh>Xh>XCJaJh}h>XCJ^JaJh>XCJ^JaJ h>XCJh0uh>X0JCJjh>XCJUjh0uh>XCJU- . . . ..hQJt5B*phh>X+h_7h>X56B*CJ4OJQJaJ4ph'jh>X6B*CJOJQJUph)h>X6B*CJOJQJmHnHphuq 0&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:p>X/ =!"#`$%t 0 0&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:p>X/ =!"#`$F%t 0 0&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:p>X/ =!"#`$%DyK www.dinersclubus.comyK :http://www.dinersclubus.com/DyK www.dinersclubnewsroom.comyK Fhttp://www.dinersclubnewsroom.com/@Dd4   c hA. 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