The bottom line, what is it worth to get 4% rewards on purchases if to break even you have to pay x dollars a month, where x is, let me see.. $39.95 = 12 * (x * 4%) per year, ($39.95 / (12 * .04)) that's $83.23 per month. And the year after, you lose your 0% introductory APR.. I said 100 dollars in the video but I didn't do the math. A little bit of algebra doesn't hurt..
Fees matter..
Also insurance is okay on an item if you can see yourself taking a computer or purchase in for repairs years from now. But the price of inssurance is based on statistics, and may or may not be worth it, actually considering that computer equipment goes down in value at a rate proportional to the capability of the computer (number of cores, speed of cores, memory, graphics performance, sound, etc). However a game system would be a worthwhile purchase since the value doesn't drop as dramatically because it is not measured by its computing ability but by the quality of the games.
In any case, it's probably best just to skip the credit cards and insurance. Unless you really need that extra 20 or 40 dollars you might get back for purchases from Best Buy.. Also the credit cards some with little extras, but they may have limitations on top of that..
Credit cards are only good if you can pay on time. If you are in debt, it's a no brainer, don't use them.. When you put your signature on a contract for a credit card, whatever the legalese says sticks, regardless of consumer rights. That's why you need a lawyer when signing contracts, so you can tell if something is normal or unreal. If something is super unreal and you know it, make a video clip of it and put it up here on youtube, it will get a lot of press and punish those who wrote it up..
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