[speaker001:] well my view I work for a financial institution and
[speaker002:] oh boy
[speaker001:] yeah and I love my credit card uh you end up with more consumer rights by using credit cards than
[speaker002:] what do you mean by that
[speaker001:] uh what I mean is say you pay for something with a check your check clears you're out the bucks
[speaker002:] um-hum
[speaker001:] you pay for something with a credit card you dissatisfied are dissatisfied with it you take it back and they say sorry we you can't take it back if you know you can leave it there and then just have your Visa charged back
[speaker002:] oh what's your favorite credit card do you use Visa how come
[speaker001:] get your money back Visa well that's the kind we offer
[speaker002:] oh that's a good reason that's a good reason
[speaker001:] and uh we're just offering a a new card that gives you one up to one percent back of all the charges that you make
[speaker002:] now
[speaker001:] cash back you know like Discover's
[speaker002:] I was gonna say I know Discover does that
[speaker001:] yep and we're starting to do that
[speaker002:] Visa's gonna do it too
[speaker001:] we are
[speaker002:] who all right who puts out your Visa card
[speaker001:] uh we do America First Credit Union
[speaker002:] who is we America First Credit Union and you're gonna offer the cash back just like Discover does huh well I I'll tell you that works because I use my Discover card more than any other credit card for that sole reason
[speaker001:] yeah did you get much back
[speaker002:] hm yeah unfortunately I use my Discover card more than I ought to not a great deal I get I get about a check for about fifty some bucks at the end of the year usually
[speaker001:] well good for you that must mean and it's one percent so you spend about five thousand
[speaker002:] I shouldn't tell that to you
[speaker001:] that's pretty good well I I do better than that everything goes on mine and then I've got a business too that I use it for charging computers on
[speaker002:] well I tell you then then I have an exact account of everything I've bought it's all printed out
[speaker001:] it is nice yep
[speaker002:] and as long as you keep your statements then you know exactly what you've spent and if you know when you bought something because often I won't remember and I can go back you know I'll remember the month so I can go back to my my credit card invoice and there it is it tells me the exact date and everything
[speaker001:] well how many cards have you got
[speaker002:] well I have a whole slew of the them but I really I use I have a Visa um but my Visa is an automatic draw from my credit from my
[speaker001:] uh-huh uh-huh a debit card yes I don't like those
[speaker002:] yeah and so I don't either because it's gone although they don't debit it until the end of the month yeah
[speaker001:] oh really that's interesting
[speaker002:] um but it still automatically comes off that month if I time it right then any like my my date is the twelfth so if I charge something on the thirteenth then I don't get that bill till the end of the month and it's not due till before the twelfth of the next month so I can put off paying for something for free for two months
[speaker001:] uh-huh  with a debit card
[speaker002:] no not with a debit card with my Discover card I can and and I use Discover more than any other because of the cash back
[speaker001:] oh credit oh okay
[speaker002:] I have MasterCard and then I have all the different department stores but I just really never use them and I try desperately hard to pay it off each month
[speaker001:] yes
[speaker002:] because the the cost to use it is terrific
[speaker001:] is it twenty percent interest
[speaker002:] uh it varies from eighteen and a half to twenty one percent
[speaker001:] wow
[speaker002:] and that's that's tremendous amount
[speaker001:] our card's thirteen and a half
[speaker002:] oh you're kidding me
[speaker001:] uh with a ten dollar annual fee
[speaker002:] how do you get one of yours
[speaker001:] well you have to be a member of our credit union
[speaker002:] and what credit union is that
[speaker001:] America First it's we're the
[speaker002:] oh but see you're in Utah yeah
[speaker001:] yeah and you'd have to be a resident of the state
[speaker002:] oh okay I was thinking about your brother he said Jack and he'll do that but that's you're nowhere near us wow that's a neat idea though perhaps some other people around here will catch on and do it too
[speaker001:] uh do you have Mervyn's and all those have you noticed that they all have started issuing their own credit cards
[speaker002:] oh yeah oh yeah they have for years but you can still use the three big ones MasterCard Visa and now Discover you can still use those three um at almost any department store
[speaker001:] what do you think of Discover uh Sears not taking anyone but theirs
[speaker002:] they have not done that for years
[speaker001:] yeah do you like that or do you think that's fair or
[speaker002:] I don't know I used when I was a a kid I worked for Sears
[speaker001:] oh
[speaker002:] and it I'm just I'm so used to them not taking anybody but theirs they'll take Discover but see they back Discover too so it doesn't bother me because I use Discover most of the time
[speaker001:] yeah yeah it's theirs ah okay let's see do you think that uh the move towards plastic is a good thing
[speaker002:] I think I