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psapri
Only people without any financial savvy would state that they don't want to pay an annual fee. You should look into what you get for that annual fee in return. I am very happy to pay AmEx 12,000 yen/year and put all my purchases on the card, because I get miles for every purchase, many at a triple rate based on promotions. Every year my husband and I get at least two free international tickets as a result. No other card has such a rich rewards program. Whoever is stating that they don't want to pay 12,000 yen to get free international airline tickets is a fool
Posted in: Line of credit