Have you heard of “Buyer’s Advantage?” Supposedly, it's a marketing program sponsored by certain banks and credit card companies that allows you to get discounts on merchandise. But that is a bunch of hooey. It’s really an excuse for companies to remove money from their customer’s accounts. Chase and Bank of America are soliciting for Buyer’s Advantage and it’s one of the worst schemes out there. The banks will send you a $10 check or “account credit” that signs you up for Buyer’s Advantage. The problem is that when you sign and cash the check or take the credit, you are agreeing to pay an annual fee of $150 for nothing. The money is usually a small monthly deduction from checking accounts, and people just don’t notice it. So, check your statements and if you see something questionable, dispute it right away!