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I am the same way. My wife and I have a bank card and I hate it. I hate having more than $2000 in a checking account and keep the rest in an ING savings account. It is too much of a pain to continuely monitor a checking account all the time. Instead we purchase everything possible on a...

1) Depends on credit history/score. 2) Once card is activated, you have 45 days to use and get credit. You could use it to buy a gift card, but that will pin your dollars to one store.

Do you have the ad or not? I am just a bit curious on how if it was thrown away, but yet able to quote fine print.