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Working Assets Credit Card


  06:50:38 am, by The Dreamer   , 578 words  
Categories: General

Working Assets Credit Card

Link: http://www.workingassets.com/creditcard/default.aspx

I got a new credit card today. I applied for it a while back, but turned down in the instant online approval process....so wasn't expecting to actually get it.

Lately, I seem to be going towards a cashless way of life. Many of the places were I spent money on a daily basis, like lunch and snacks, have streamlined paying by plastic. Like only need to swipe for lunch, no signature. Similarly for purchases under $5 when getting snacks. I was largely keeping the cash mode spending, because of www.WheresGeorge.com. But, the axe might have come when I forgot to bring a stamp with me on a recent trip. One of the few occasions where cash is still preferred over plastic...paying for taxis and such (and often the only form of payment they'll take even if they advertise acceptance of plastic).

For a long time I hadn't been using my VISA card, in favor to my other cards which all offer some form of reward. It had been on my list to replace the VISA card with another bank brand and that offered something worthwhile for using it. But, it was low priority....so far I had been managing just fine, since I hadn't yet run into an establishment that would only accept VISA. And, can't say as I ever have (I have run into places -- namely in Europe -- where they only accept Mastercard).

Through my involvement with groups at KSU, namely Amnesty International....I had been getting various emails. Some of which from Working Assets. Last month they sent out an email for the Working Assets Credit Card. It's a VISA card, it makes donations when I use it, and I get a reward. It is points for dollars, rather than fixed or tiered cash back of my other credit cards. Though the points can convert back to cash, in a tiered structure.

It seemed too good to be true...guess time will tell.

One thing I didn't realize at the time, Bank of America had acquired MBNA...which I had left (at the time it was a think called a StockBack Mastercard, which has been reborn with a different bank affiliation...but I like the card that reward card that Chase replaced it with.) Of course, my old VISA card was originally FirstUSA, which was acquired by Bank One, and then acquired by Chase. So it was the combination that they were both Chase (yet different) and that one has cash back and the other doesn't, that one hasn't been getting much use.

The 'yet different' comes, because I had originally asked Chase if I could convert my current Visa card to a reward Visa card from them. At first they said yes. But, when I went to do it, they said because my current Visa card wasn't really a Chase Visa card...that I'd have to apply for the new card and then cancel the old one. Which they would gladly do for me, but given that...I decided that I would look to see what other Visa product would suit me. Even though an Amazon.com Visa might have been a nice fit.

There were issues with the MBNA Mastercard, but the main one now is not being able to get automatic transaction downloads in MS Money. Which might limit how often I use the card, since it'll be more work to keep a close eye for fraudulent activity.

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Now instead of subjecting some poor random forum to a long rambling thought, I will try to consolidate those things into this blog where they can be more easily ignored profess to be collected thoughts from my mind.

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