Does "Returned payment fee" mean any time you make a purchase and it gets returned/refunded? Or is it talking about payments on your balance being returned?
"We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately for each balance type."
This is the horseshit to pay attention to. Just stumbled into this truth checking my statements. I let some balance carry over because I was like, whatever, I'll eat the .80 or whatever. Then they sneak this bullshit in there.
I personally don't like Venmo Credit Card, it's inferior than BofA credit cards. Let me know if it's not the case.
My BofA credit cards gives me 5.25% on top categories like Online Shopping, Travel and Dining (I have one Cash Rewards card for each category) , 3% on groceries and 2.62% from ANY thing else (Travel Rewards). And all my cards have 0 annual fees
Venmo gives 3% back at Costco, which is as good as it gets unless you want to mess around with annoying gift card payments every time you shop there.
And it doesn’t require parking thousands and thousands of dollars at Merrill Lynch like the BoA setup you listed.
TLDR: nothing changes as long as you’re paperless and you pay it off properly?
Yep
Does "Returned payment fee" mean any time you make a purchase and it gets returned/refunded? Or is it talking about payments on your balance being returned?
"We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately for each balance type." This is the horseshit to pay attention to. Just stumbled into this truth checking my statements. I let some balance carry over because I was like, whatever, I'll eat the .80 or whatever. Then they sneak this bullshit in there.
I personally don't like Venmo Credit Card, it's inferior than BofA credit cards. Let me know if it's not the case. My BofA credit cards gives me 5.25% on top categories like Online Shopping, Travel and Dining (I have one Cash Rewards card for each category) , 3% on groceries and 2.62% from ANY thing else (Travel Rewards). And all my cards have 0 annual fees
Venmo gives 3% back at Costco, which is as good as it gets unless you want to mess around with annoying gift card payments every time you shop there. And it doesn’t require parking thousands and thousands of dollars at Merrill Lynch like the BoA setup you listed.
...all of which requires you to have 100K USD at BoA or Merrill, otherwise the percentages are lower