I read it but it seems to not apply to me. I use my Visa card for almost all my purchases. I do not need to weigh the cash in hand to evaluate the proprity of a purchase I buy what I buy because I can and have reasons like food on the table or medicines or toys or well you get it. I have not cash flow problems. Thirty five years of credit card use an I have not paid the total balance due only one month in all that time and I could have that month but it would have reduced the checking account balance to a level that made me uncomfortable. Now my paycheck and my credit card balance are automatically transacted electronically. I don’t get a check or write a check. I check the account from time to time to see that things are moving properly and once in a while I have to tell them to credit my account with the cash back rewards from the credit card. Oh, they gave me some cash when I got this credit card. Except for that one month I have never paid any interest and I have never paid a fee. Same deal on the checking account never paid a fee. The interest is paltry but they don’t charge me a fee and give me free checks and a safe deposit box I don’t use. Free Cashiers check that I have used maybe twice.

Can someone explain to me how anything is going to improve on this system? More cash back? Fees less than zero, better customer service?


Worked in our nations space programs for more than 35 years