Well I have BoA as my main bank of choice, and we have a few credit cards in use right now. All of our pay goes into BoA accounts, and transfering money around to pay things off is the easiest thing in the world. I never have to write a check for anything, because the bank sends checks to anyone I tell them to within 24hours, or if the establishment is in thier circle of associates they do a wire transfer instantly, and most importantly it is absolutely free as long as you never go over limits or are never late. When I have a credit card payment due I can either have it paid automatically by the bank, or I do a wire transfer (FREE). Either way I never pay any fees, or interest payments on anything as they are paid before any interest is applied. LIke it has been stated the safest way to deal with CC's is not to make purchases that you cannot pay for within 30 days. Yes a home or a car may be the exception, but anything else is purely a luxury. It may take a person some time to get to this point in life, but anything else will cost you dearly in the long run.
I used to have 800 scores as well, until I got married the 2nd time around, and she drove me to the poor house in credit debt. It took me a few years to clean all of that up, but I am back on top of the world again, and finally paying balances off every month. Any other way is just dangerous. Seeing people out there with CC debt of tens of thousands of dolllars is just rediculous. We have become greedy as a society, and want everything NOW instead of being smart about spending our money. If you cannot afford it, then don't buy it. This is a simple stratagy that has been around for 100 years. You need a CC to gain credit, but you also need to save money so you can pay for the things you wish to charge and pay them off every month plain and simple. That is the only way to avoid the demons of credit card debt. Good luck with that.
