To choose each of my bank accounts, I ask myself what I expect, how I'll get my money, and whether there are accounts already made for my needs.

Key takeaways Credit card payments made over the phone or internet are classified as “card- not-present” (CNP) payments.

While DIRECTV offers great introductory offers, you must sign a two-year contract, and rates increase in the second year. Be sure to ask about second-year pricing before signing a contract.