------------------------------------------ -- EZ A SZÁM CSAK TEXT FORMÁBAN LÉTEZIK -- ------------------------------------------ From contacts@phoenix.Princeton.EDU Thu Aug 16 03:41:13 1990 Return-Path: Received: from gargoyle.uchicago.edu by tartarus.uchicago.edu (4.0/UofC4.0x) id AA21417; Thu, 16 Aug 90 03:41:12 CDT Received: by gargoyle.uchicago.edu from Princeton.EDU (5.59/1.14) id AA22715; Thu, 16 Aug 90 03:41:09 199 Received: from phoenix.Princeton.EDU by Princeton.EDU (5.61++/2.57/princeton) id AA00841; Thu, 16 Aug 90 04:40:22 -0400 Received: by phoenix.princeton.edu (4.1/1.105) id AA16158; Thu, 16 Aug 90 04:00:47 EDT Date: Thu, 16 Aug 90 04:00:47 EDT From: TIPP/FORUM Message-Id: <9008160800.AA16158@phoenix.princeton.edu> To: contacts@phoenix.Princeton.EDU Subject: TIPP# 104 From RAVENserver Status: RO ============================ TIPP from RAVENserver ============================ >From hollosi%helios.UCSC.EDU@ucscc.ucsc.edu Thu Aug 16 03:58:53 1990 Date: Thu, 16 Aug 90 00:58:18 PDT From: hollosi%helios.UCSC.EDU@ucscc.ucsc.edu (Joseph Hollosi) To: contacts@phoenix Subject: xmail TIPP From: fireman@suna7.cs.uiuc.edu Date: 14 Aug 90 18:29:00 GMT CREDIT CARDS WITH NO ANNUAL-FEE Following is a summary of no-fee credit cards submitted by many contributors. Please send all corrections/clarifications, as well as information on cards not listed here to fireman@uiuc.edu and I will post an updated summary whenever the question of no-fee credit cards comes up. In order not to infringe on any copyrights, the lists from the following magazines have in no way been incorporated into this summary, but may be even more informative than this summary (I haven't seen them so I'm not sure): "A list of low-interest and no-fee credit cards can be found in each issue of Barron's, the Wall Street Journal's weekend magazine, about four pages from the back. Money magazine publishes the best credit cards in terms of lower interest rates (if you don't pay in full) and the best in terms of no-fee cards (if you pay in full). There may also be a list in Changing Times magazine." CREDIT CARDS WITH NO ANNUAL-FEE Bank Card(s) APR% 1-800 # MAI Notes Amalgamated MC 16.0 365-6464 Amalgamated MCG 14.5 365-6464 40K AT&T Universal Card V(G), MC 18.9 662-7759 Must apply this year (1990) Discover DISCOVER 19.8 347-2683 Fidelity National V, MC 18.0 753-2900 16K First Signature B&T VG 19.6 522-1776 35K Gary-Wheaton Bank V, MC 19.8 822-8472 GreatCard V, MC 19.0 635-3131 Available in certain states Harris Bank V, MC 19.8 445-4631 708-520-6550 in IL, See Note 1 Imperial Savings V, MC 19.0 542-6209 WA, OR, CA, AZ residents only Los Alamos National V, MC 15.0 NONE --> Tel: 505-662-5171 See Note 2 Manufacturer's Bank V, MC 15.7 635-8350 No grace period on purchases! Oak Brook Bank MCG 16.8 666-1011 35K Primerica Bank VG, MCG 19.3 772-7775 35K Security B&T V, MC 18.0 424-1060 The Abbot V, MC 16.2 999-6977 15K USAA Federal Sav. V, MC 14.7 922-9092 Colonial National ALL 4 18.0 492-2500 Soliciting only - See Note 3 Horizon Savings V, MC 15.1 289-2733 Soliciting only - See Note 3 First Card ALL 4 19.9 368-4535 Soliciting only - See Note 3 V: Visa VG: Visa Gold MC: MasterCard MCG: MasterCard Gold APR: Annual Percentage Rate MAI: Minimum Annual (Household) Income Grace Period for purchases is 25 days for all cards except Manufacturer's Bank Note 1: $20 annual-fee after 2 years unless you pay $25 or more in finance charges during the previous year. Note 2: Serving mostly NM. Will issue to residents of any state but cannot solicit residents outside of NM. (They will not mail you an application unless you live in NM) If you have a friend in NM, you can have that friend mail you an application. Note 3: These banks solicit customers for no-annual-fee accounts but will not mail applications to those who request them over the phone. If you write to the marketing department, they may put you on the list of people to be sent "pre-approved" applications. Further Notes: - Most APRs are variable, changing with the Prime Rate, or calculated based on an average of competitive cards. Some are simply fixed rates. - Many of the above banks have cards with a lower APR but with an annual fee. FOR THOSE WHO DO HAVE A CARD WITH AN ANNUAL FEE: You may want to call and threaten to cancel your card unless they waive the annual fee. Some banks will waive the annual fee. UNIVERSITY STUDENTS AND EMPLOYEES: Try your University Credit Union - they often have no-annual-fee credit cards AAA VISA AAA Auto Club membership has many benefits, among them a no-fee VISA card. If you do a lot of travelling, want travellers checks without the 1% service fee and want an unlimited number of free maps, AAA membership could be worth it. ADDRESSES OF CARD ISSUERS AT&T Universal Card Horizon Savings P.O. Box 44193 P.O. Box 9600 Jacksonville, FL 32231 Austin, TX 78766 Other 1-800 Number: 1-800-225-5288 (CALL-ATT) Imperial Savings Ass. PO Box 23525 The Abbot Classic Bank Card Dept. #925 (Division of The Abbot Bank) San Diego, CA 92123-0505 Card Services Division P.O. Box 24736 Los Alamos National Bank Omaha, NE 68124 PO Box 60 Los Alamos, NM, 87544 Amalgamated Trust & Savings Local #: 505-662-5171 P.O. Box A3979 Chicago, IL 60690 Manufacturers Bank - Wilmington Local #: 312-822-3131 Credit Card Dept. P.O. Box 15147 Harris T&S Bank Wilmington, DE 19885 (Charge-It-System) P.O. Box 4860 Oak Brook Bank North Suburban, IL 60197 Gold MasterCard Division Local #: 708-520-6560 2021 Spring Road Oak Brook, Illinois 60521 Colonial National Bank Local #: 708-571-1050 Ext. 243 P.O. Box 105014 Wilmington, DE 19850 Primerica Bank (or) Primerica Bank Processing Center Customer Service Discover Card Services P.O. Box 15083 774 Christiana Rd. P.O. Box 32905 Wilmington, DE 19885 Newark, DE 19173 Columbus, OH 43232 Security Bank and Trust Fidelity National Bank Bank Card Center P.O. Box 105075 PO Box 1156 Atlanta, GA 30348 Southgate, MI 48195 Local #: 404-371-5500 USAA Federal Savings Bank First Signature Bank & Trust Bank Card Center PO Box 7090 USAA Building Portsmouth, NH 03802 San Antonio, TX 78288 First Card Box 11330 Wilmington, Delaware 19850 Gary-Wheaton Bank BankCard Center P.O. Box 649 Wheaton, IL 60189 Local #: 708-665-2700 GreatBank Card Services P.O. Box 403 Chicago Heights, IL 60411 Local #: 708-754-3202