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302. I don't want to look up magazines. Isn't there an easier way to find the best credit card ?




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This article is from the Credit cards and Consumer Credit FAQ, by adams@spss.com (Steve Adams) with numerous contributions by others.

302. I don't want to look up magazines. Isn't there an easier way to find the best credit card ?

First, don't post a request to the net. You may get some replies,
but typically they'll be for banks out of your area and will be
missing important information. Besides, those repeated requests are
just what this FAQ list is supposed to prevent, and you wouldn't
want me to look foolish, would you? :-)

Fortunately, you can get a list by mail. Here are your choices,
from the May 1990 {Consumer Reports}. (Prices may possibly have
changed since then.)

- Bankcard Holders of America, 524 Branch Drive, Salem, VA 24153.
Write for information on various flyers and brochures, including
lists of "Fair Deal" banks (ie low interest rates), etc. During
my conversation with them on 05/16/94, they requested that people
not call them as they have a very small staff which would cause
long waits on hold. [Note, this is a new address]

- RAM Research, P O Box 1700, Frederick MD 21701: send $5.00 for
500-bank "RAM Research Bankcard List" (updated monthly).

- Consumer Credit Card Rating Service P.O. Box 5483 Oxnard, CA
93031 : send $19.00 for "Credit Card Locator," over 100 no-fee
cards, 200 more with fees under $15, and interest rates on cards
from 1000 banks.

Disclaimer: I have not actually ordered from RAM or CCCRS myself.
If you have any corrections from experience (not hearsay), please
email me at adams@spss.com.

 

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next page: 303. I understand why low rates or no annual fees are important. Why would I care about which banks issue the most credit cards?