The Perfect Credit Card.

world of warcraft credit cardIs there such a thing? :) I’m not sure to be honest with you, BUT today we’re going to pretend and say YES!  There IS a perfect credit card out there, we just haven’t told the world what it is yet!  So let’s do something about that shall we?

Here is your form to fill out – which I stole from Dinks Finance because it is awesome and clever and all sorts of exciting for financial nerds like ourselves:

I wish my credit card had _________
I hate that my credit card has _________
I wish I could pay for ­­­­­­­­­­­­­­­­­­­­­­­­­__________ with my credit card
I always use my credit card to purchase _________ because __________

I’m going first because it’s my game:

  • I wish my credit card had a shut off valve. Like, whenever it smells alcohol on my breath it only allows me to spend $20 max!
  • I hate that my credit card has expiration dates. It is soooo annoying to go back and update everything every other year.  Why can’t they just last forever? (security, i know i know… blah blah)
  • I wish I could pay for my mortgage with my credit card! That would be over TWO THOUSAND DOLLARS a month almost doubling the reward points I’d get!!!  Man that would be awesome.
  • I always use my credit card to purchase everything i possibly can because i use my credit card as a budget! Bitch! Haha… can you tell I’m feeling feisty today? But seriously, I would honestly be one happy man if I could use just 1 piece of plastic to pay for every single thing in my life.  It’s total convenience in my pocket!  (fyi though, this is *not smart* for those who know you’re bad at paying off your bills and staying on top of it.  you all should stick w/ cash & debit.  and on the plus side, you will probably end up spending less than people like myself since there’s always those studies whic show you save like 20% more by not using credit cards.)

Okay, your turn :)  If someone was customizing a credit card just for you, what would you want from it?  Feel free to add in your own lines for us to fill in too – if I catch some new ones I’ll update my list w/ ’em.  W00T!

(World of Warcraft card via Ivan Walsh)

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  1. Jeff @ Sustainable Life Blog October 22, 2010 at 8:41 AM

    Love that you want a Breathalyzer on your card. Man, I could have saved so much money a while back if my card had one of those.

    I wish my credit card had a 3 question sequence before I could sign for the purchase. It would say “do you really want this?, do you really need this? and Are you sure?”
    I hate that my credit card has to be paid back.
    I wish I could pay for [I use it for most stuff already, so nothing] with my credit card
    I always use my credit card to purchase Gas because I buy a lot of gas and because of the rewards! Free International Flight here I come!

  2. Andrew October 22, 2010 at 8:52 AM

    I wish my credit card had Someone else paying it off
    I hate that my credit card has me having to pay when I use it
    I wish I could pay for ­­­­­­­­­­­­­­­­­­­­­­­­­anything with my credit card
    I always use my credit card to purchase gas&electricity because I only got it to improve my credit score and safely buy gas&electricity online(well, more safely than my debit card).

  3. sarah October 22, 2010 at 8:57 AM

    J, couldn’t you use those checks that come every so often to pay your mortgage with? I don’t use credit cards so I don’t know all the details, but it seems like that would be a way around it?

  4. J. Money October 22, 2010 at 9:12 AM

    HAH! Clever thinking, I will give you that, but unfortunately you’ll then start accruing interest ASAP. And if you have a shoddy bank (which let’s face it is 90% of them out there) you’ll be charged 17%, 20%, maybe even 30% interest! It’s insane.

    But I did purchase my car on credit card using check, so it IS technically possible ;)

    USAA charges you one rate no matter if it’s a “cash advance,” like these credit card checks are, or if you just swiped it for gas and let your balance carry over. So you’re kinda on the right track!

  5. Que October 22, 2010 at 9:53 AM

    I suck! I don’t have a credit card. That doesn’t mean I’m financially stable. It just means that my wife and I don’t use credit cards well. So we know our limitations. But that WoW VISA is pretty sweet. Is that real?

  6. Liz October 22, 2010 at 11:10 AM

    I am pretty happy with my credit card! The only thing I wish I could do with it is use it on my web bill pay to pay the bills that don’t automatically get paid on it. I also would like double points at the places I shop the most!

  7. Me, Myself, and Money October 22, 2010 at 11:54 AM

    I would love a credit card that flash it’s current balance before I used it– and I mean right on some tiny computer screen installed in the corner of the card so that I would not have to log on my computer/mobile phone, or do some quick calculation in my head. That would deter me from spending on a ton of useless items.

  8. J. Money October 22, 2010 at 1:15 PM

    @Que – I would say you’re more AWESOME than sucky for not having a credit card. That’s pretty hard to do ;) And I wouldn’t want to! haha… Oh, and I have nooooo idea of that WoW credit card is real or not. I just liked it in the Flickr pics cuz it was hilarious ;)
    @Liz – oh yeah – double points would be hot.
    @Me, Myself, and Money – ooooh i want that too!!! very smart idea. i wonder if anyone is currently working on something like that? they’d have to be, right?

  9. LB October 22, 2010 at 1:22 PM

    I wish my credit card had a specific spending limit I could set. If I wanted to exceed the limit then it would only be available through specific security questions no matter what.
    I hate that my credit card has an interest rate.
    I wish I could pay for ­­­­­­­­­­­­­­­­­­­­­­­­everything with my DEBIT card and came with the online safety perks as a credit card. Although online bill pay with my bank rocks, a debit card is just easier at times.
    I always use my credit card to purchase big purchases because it is safer online and usually comes with great perks, as long as it gets paid off right away.

  10. Jenna October 22, 2010 at 3:39 PM

    I wish my credit card had more rewards.
    I hate that my credit card has an expiration date.
    I wish I could pay for ­­­­­­­­­­­­­­­­­­­­­­­­­life with my credit card.
    I always use my credit card to purchase Netflix because cheap an automatic.

  11. Yana October 22, 2010 at 5:19 PM

    My comment is not spammy! But when I tried to post my answer, that’s what I was told repeatedly.

  12. eemusings October 22, 2010 at 6:10 PM

    Yep, all of the above! Plus no reward program/annual fee (pretty much non existent here so I’m dreamin..)

  13. Kristina October 22, 2010 at 10:03 PM

    Eemusings…you wish your credit card didn’t have a rewards program? Why is that?

  14. Bobby October 22, 2010 at 11:57 PM

    I’m pretty happy with my credit card right now. It’s a simple cash back card with no annual fee. If I could customize it though, I’d up the percentage I’d get back for the cash back.

    Wish I could pay rent through credit card as well instead of cheque. I’d love the extra money every month.

  15. Kay Lynn (Bucksome) October 23, 2010 at 8:27 AM

    That World of Warcraft credit is too cool; I would want to whip it out all the time!

  16. Money Funk October 23, 2010 at 11:45 AM

    I am with Bucksome. It’s a neat looking card – that could be dangerous. No Cc for me yet there. I still don’t completely trust myself with it yet.

  17. Kristina October 23, 2010 at 1:44 PM

    WOW! what an interesting and clever post! LOL. Eemusings…you wish your credit card didn’t have a rewards program…Why is that?

    I wish that I could pay for gum, my morning newspaper, and my coffee with my Credit Card BECAUSE I never have any change. :-)

  18. Ariella October 23, 2010 at 7:59 PM

    Kristina, if you would buy those at a drug store, you could charge them all.

    I love the list. I really don’t care what my credit card looks like so long as it is accepted for my purchases.

  19. jaime October 23, 2010 at 11:36 PM

    There’s a wow credit card? That’s just way too nerdy.

  20. FB @ October 24, 2010 at 7:56 AM

    I’m the same way. I wish I could pay for EVERYTHING on my credit card. I calculated the rate of return as 1% which is pretty good, and I put my hotel apartment on there, I put all of our plane tickets.. it’s incredible how fast the points rack up.

  21. cat October 24, 2010 at 6:15 PM

    I currently have no credit cards because I have just (and by just I mean two years ago) have joined the pay down your debt movement! I only use my debit card and cash, which proves to be difficult, but I finally make just barely over what I owe, so I can live cheap and still actually pay minimums on bills.

    When I had a credit card it would have been something like this…

    I wish my credit card had a no clothing buying lock.
    I hate that my credit card has(had) such a high limit on it.
    I wish I could pay for bills with my credit card (because I had so many!)
    I always use (used) my credit card to purchase clothes and food and beer because all my friends were always cute and going out to drink and I got jealous if I couldn’t go out with them.

  22. J. Money October 24, 2010 at 8:56 PM

    Haha… i can’t believe that WoW is real! Good find Ken.

    Sorry for all those who had trouble commenting and got back the “too spammy” error message. I think it was actually because every sentence up there contained the word “credit card” and wordpress thought y’all were promoting that ish all over ;) oops! it wasn’t me, i promise.

    Glad some of you were able to comment though – loved hearing your different takes on it. Happy Sunday!

  23. Credit Cards Canada October 25, 2010 at 4:11 PM

    I wish my credit card had a TV screen on it. It’s just the right size, and would come in handy when I forget to charge my cellphone.

    I hate that my credit card has tiny letters that I can’t read when trying to give the expiry date over the telephone. Makes me sound stupider than I am.

    I wish I could pay for my mortgage with my credit card, I’ve been saying that for years.

    I always use my credit card to purchase everything I can because I don’t carry cash (curse you, parking lot attendants!)

  24. J. Money October 26, 2010 at 11:41 PM

    haha… a mini TV would be tight!

  25. Oscar C March 26, 2013 at 5:15 PM

    I wish my credit card had 10% Cash Back
    I hate that my credit card has any APR
    I wish I could pay for bills/rent with my credit card
    I always use my credit card to pay for anything because I’d get 10% on spending my own money since, apart from an intro rate, I pay in full every month.

  26. J. Money March 27, 2013 at 9:57 AM

    You found a nice old post on our site – love looking back to see what we wrote back in the day! :)


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