Wife and I have a Southwest CC via Chase and it's been great. We funnel any purchase we can through the card. We usually end up with ~125k of points per year, which qualifies my wife for the Southwest "companion pass". I pay for my tickets with points, she flies free. We *literally* have not paid for plane tickets in YEARS.

We have had 2 fraud events on our account that were remedied immediately.

We use local folks for mortgages, the occasional car loan, etc, but we love Chase for embezzling points. $40k of kitchen remodel will be put on that card this summer and paid off immediately in cash. Free R/T tickets for us to visit my father and his wife in Cabo for the next 2 years. Can't complain.

But Bank of America and Wells Fargo can KISS MY ASS. I hate those fuggers.

The DIPCHIT ADD, after a morning of drinking:

You despair, repeatedly, constantly! daily basis?
A despair ninny.
Sack up, despire ninny.