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No. of Recommendations: 1
I have had a Bank of America account for over 5 years, and MBNA accounts for around 10 years. I always consider BA the better of the two in terms of rates and fees, BT offers and such. Dollars and cents mean the most to me, and savings translates to dollars and cents. MBNA has always been below average to mediocre in my book, but the BA merger has helped them IMO.

It is hard to go wrong with Citibank. If you are inclined to have open credit card accounts as most of us are, I would get a Citi card as they are definitely top tier.

HAving an account with a few different companies is a good checks-and-balances method of insuring they each stay in line. One Citi, one Chase, and one Bank of America card for example rather than 3-4 all with MBNA. AVOID capital one.

There's 2 free pennies.

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