I have to agree with Ken here, but I do have soem questions for those who know a bit about how ING's 3% interest works.

If I leave, say, $10,000 in ING for a long time then yes, I can see a savings add up with interest. But if I keep taking it out and putting moeny in and taking out and putting new in, will this still help me gain interest? Or is it based on longevity? I mean, surely both do something, but do you make as much?

As I understand it, those who might be flipping funds around and putting enough into a Bank Direct account to satisfy the minimum balance requirements can do the above in and out scheme and still obtain their AA miles before having to use the money, and then add new funds. All you have to do is be careful with the timing and it will work.

So which is better? I am curious. I still think ING but I wanna hear from people on that too.

On another note, I once signed up for Lending Tree and started the whole process to earn DL miles. Later, about 3/4 the way into it I went with an entirely different lender but somehow, some way, I still got my 10k DL miles!

Cool. I guess if you don't mind your name being sold a bit more out there than it already is anyway, what, with everything else we do online, etc, then go into the process for the cost of a couple credit report points and then bail out 3/4 way thru and see if you also still get your miles! You might!

(a CC big-3 report hit from a place like Lending Tree will affect the score but only ever so slightly and fgrom what I understand, the good news is that they only hit you once, whereas multiple loan attempts you may do on your own could result in many more hits, thereby lowering your score)

MM