Friday, October 3, 2008

Why I love the LL Bean card

Far be it from me to encourage credit card spending, but for me, the LL Bean card (now from Barclay's) is the very best of what credit cards can be. The perks are big; the downside minimal.

Let me explain.

I frequently shop at LL Bean. Maybe it's because I'm a Mainer. Maybe because I live in New England where good, durable foul-weather gear is a must. Maybe it's because I'm so practical, but I love LL Bean.

Everything you buy has a lifetime guarantee. You dig? You can buy a pair of winter boots and never have to replace them again as long as you live. Ditto tents, sleeping bags, winter coats, sleds, furniture--everything they sell. You can return whatever you buy at any time if it starts to fall apart--only it pretty much never will. So, rather than buying something somewhere else and paying to replace or repair it, with LL Bean, you opt into a system of quality and dependability that is unmatched.

I recently bought an air mattress, for instance. I had been shopping around for them for years. And every one I had ever encountered had developed a leak, was uncomfortable, or had some crazy pump system--or lack thereof. Enter LL Bean. I found one--on sale ($40 off, I think)--that was durably constructed, got rave reviews from users, and has a handy-dandy-built-in pump. Like, you literally just push a button and the thing blows itself up and then deflates itself, too.

(We haven't slept on it yet, but we did inflate it and spend an evening lounging on it and watching TV and we pretty much decided its better than at least one of our real beds!)

Because I have the LL Bean Visa card, I paid no sales tax, no shipping, and if it turns out it isn't right, I can return it free of charge, too! Plus, if it ever--for the rest of my life--rips, leaks, or fails me in any way, I can return it. For free. AND, because I have the LL Bean Visa, I earned 3% of that purchase back towards another purchase.

Today, for instance, I bought a pair of winter boots. They're vegan, which is hard to find. And by applying my LL Bean coupon dollars ($10), which were a reward for opening the card and making the mattress purchase, I saved $19.95 on shipping and the price of the boots. Plus, I'll earn $7 in coupon dollars toward my next purchase because of a double coupon dollars promotion. I also saved by not paying any sales tax.

If they don't fit or I don't like them, I can just send them back, free of charge, or take them in on my next trip home. (I actually have here a pair of LL Bean boots that I bought a few years ago, but which are horribly uncomfortable and which have a flaw in the lace-up construction--the metal loops shred the laces. I want to return, but keep feeling shy about it since it's been so long. Once I get up the nerve to send them back, if I apply that credit toward this purchase, it's like getting half-priced boots, really.)

Last month, when my sister-in-law wanted to buy her daughter a monogrammed LL Bean backpack for kindergarten, I ordered it for her. The monogramming and shipping were both free, saving her about $20 and earning me $1.65 in coupon dollars.

Seriously, I love this card. The important thing to watch out for--for me--is that I don't get shop-happy and start buying all sorts of things just because it's so easy. I stay away from the catalog until after I've decided I need something--such as a backpack, boots, or an air mattress. I also have to remember to pay off the balance immediately because the interest rate is very (very) high.

The card also gives me 1% in reward dollars for other, non LL Bean purchases. And has some excellent travel-related and other perks. So, at some point, I may start using it for regular monthly purchases--such as the cable bill--so rack up more coupon dollars (which don't expire for a year) but for now, I want to use it only for LL Bean purchases--or large one-time purchases--so I don't fall into the trap of spending more money than I have.

I'm not saying you should necessarily get the LL Bean card. But I am saying that if you're going to have a credit card in your life, it's worth shopping around and finding the very best card for your lifestyle. To learn more about the card, visit LL Bean.com.

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