This was the first credit card that I ever got. They were on campus at my college. I was a naive (stupid) freshman. A credit card? No annual fee, you say? AND I get a free t-shirt? C'mon, I'd be stupid to pass this up, right?
It was for an MBNA America Visa card. Over the years my wallet has seen a few cards have come and go, but this one remained. It's my oldest existing source of credit. Although it's a small factor in credit scores, it's a factor still. Besides, it has my school logo. I feel like shaking my pom poms every time I use it. Cha-ching! Rah Rah Rah!
A few years ago, I stopped using the card entirely. It had zero points programs associated with it. I began using my American Express Hilton Honors rewards card, and on occasion the Discover card. But I continued to carry the MBNA Visa, because some places only accepted Visa or Mastercard, and it was (and still is) my only card of either type.
I was about to cancel the card, when I learned about the WorldPoints program. Simple, straight forward. One point per dollar spent on the card, redeemable for cash, gift cards, travel or merchandise.
So, I still have the card, which has since been bought out by Bank of America. Or B of A for short. AKA Bunch of A-holes. Sorry, that's rude. I didn't make it up. Although I wish I did.
Anyway, how about this WorldPoints program? Is it any good? Let's take a look.
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