Bank suggestions?

[darxus]

I am tired of Wainwright bank's many and varied incompetencies. I believe there must be better.

I want four simple things:

1. Good online bill payment.
2. Checking with a debit card.
3. A decent real credit card through them.
4. Accessibility in the Cambridge / Somerville / Arlington area.

I would appreciate recommendations.
I don't have a real credit card and I want one. I'm open to non-bank suggestions.

Comments

[heinleinfan.livejournal.com]

Oh, and as for credit cards, a couple of things tips I've picked up:

-Chase credit cards like to assrape you more than other credit card companies.
-One thing that looks good on a credit report is how much available credit you have (and the recommended number is to never exceed 30% of your available credit). Some credit card companies only report your balance to credit reporting agencies, and not your actual limit, and that can make it look as if you don't have any available credit. American Express and Capital One are both bad about reporting limits this way.
-cardratings.com is a good site for "credit card shopping"