Editor's note: The following are questions received from viewers of "Mad Money," seen every day at 6 p.m. EDT on CNBC.

What are your thoughts on Delta Air Lines (DALRQ) ?-- Andrea from West Virginia

James J. Cramer:

I've never been a fan of the airline sector, let alone been interested in investing in bankrupt companies. With that in mind, I believe viewers should avoid Delta's shares.

In the financials, do you prefer Bank of America (BAC) - Get Report or Citigroup (C) - Get Report?-- Rick from Pennsylvania

James J. Cramer:

To be honest, neither one of these stocks is among my current favorites in the financial sector. Of the two, Bank of America does pay the higher dividend, though I prefer

Commerce Bancorp

(CBH) - Get Report

these days because it has better growth potential. In the interest of disclosure, I own Commerce shares in my charitable trust,

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Want more Cramer? Check out Jim's rules and commandments for investing from his latest book by

clicking here

.