My wife and I use our credit cards a lot. We like the "cash back" and "reward" credit cards. We always pay our balance in full every month.
We decided to change credit cards.
I took about one hour to research various cards on the internet. I narrowed it down to four cards.
I contacted each credit card company.
One company I sent an email to
One company I exchanged 6 emails with
One Company I talked to two different people on the phone after navigating an awful phone
One Company I sent three emails and one phone call
In each case I requested the company send me a paper application in the mail. After two weeks; I have yet to receive one...
I have repeatedly been told to apply online, apply on the phone, etc. I keep telling them that I want a paper application...
I like to read the fine print...
They are incredibly inefficient...