Signing up for them in bulk, scooping the signing bonuses, strategically using the good ones, and cancelling the duds.

Now, I’m no novice to the idea of a cash back credit card: I used a REI Visa from 1999-2006 that yielded 1% cash back on all purchases, which added to several hundred dollars each year.

I’ve noticed a trend among financial bloggers recently.

Horny sing women no credit card needed-50

Another mark on the “credit companies are evil and sneaky” scorecard.

I Checked the rewards balance – nothing there yet of course, since I have not even made my first purchase.

They built an army of slaves, paying 18% interest plus various ridiculous surcharges and fees, on money that was really worth somewhere between 3-7%.

Slowly, capitalism has escalated the battle and the card issuers are being forced to compete for slaves.

Not the biggest account in the world, but still plenty of spending room for my little construction business. You don’t need a human involved to activate a credit card, unless there is a glitch in your account, or some fishy sales pitch coming up. She engaged me in some unnecessary questioning and chitchat: “Welcome to Chase Business Services, my name is Charisse and I do hope I can provide exceptional service for you and blah blah blah may I ask why you decided to choose the Chase Ink Business card?

There was the usual sticker on the front telling me to “call to activate your new card! When I called, the automated system asked me to enter the last four digits of my card, so I did. ” “Because of the 0 sign-up bonus.” “Did you already have a business card before choosing us? ” “Yes I did have one, but I figured this one offers the same 1% cash back as my old business card, with the added benefit of the bonus.” “Oh, honey, this is much better than a 1% card – it offers 5% back on office supplies, 2% on gas, and blah blah blah” I accidentally laughed out loud, because she had just called me “honey”, but I pulled it together and explained that I don’t buy a significant amount of office supplies or gas for my business, so the card is effectively a 1% card to me.

They do this by offering an ever-increasing share of profits back to the consumers.

Now it has reached the point where you’d be a fool to sign up for any card offering less than a 0 reward for joining, and some will pay 0-0.

If I’m going to take action on a consumer deal where I am effectively doing battle with a clever demon who is trying to fool me, it had better pay me several hundred dollars, and take only a small number of hours of total work.

So, motivated by the idea of sharing the story with YOU, I used myself as a guinea pig and signed up for a Chase Ink Business card (pictured above) that came in the mail, directed to my business name. The tale below describes the experience: I applied online, using the web address specified in the paper mailing, including a specialized offer code.

He also works the Swagbucks system and various other coupons and gift cards.