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Credit Card Thread

thelnel52 2,440 February 12, 2010 at 01:22 PM
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BALANCE TRANSFER CARDS
Card Name Duration of 0% Fee Cap Link
Virgin America Visa Signature Card 6 months 3% $50 Link [virginamericavisa.com]
Escape by Discover Card 6 months 3% Uncapped Link [creditkarma.com]
Discover More Card 18 months 4% Uncapped Link [creditkarma.com]
Citi Forward Card 12 months 3% Uncapped Link [citicards.com]
HSBC GM Flexible Earnings Card 12 months 3% Uncapped Link [hsbcapply.com]
Barclays Coast to Coast 12 months 3% $75 Link [coastresortscard.com]
Chase Freedom MC 12 months 5% Uncapped Link
Chase Freedom Visa 12 months 5% Uncapped Link
Slate from Chase Visa 15 months 3% Uncapped Link



LOW APR CARDS
Card Name Duration of 0% APR Regular APR Link
Escape by Discover Card 6 months 10.99-15.99% variable** Link [creditkarma.com]
Miles by Discover Card 6 months 10.99-15.99% variable** Link [creditkarma.com]
Chase Freedom MC 6 months 12.99-22.99% variable** Link
Chase Freedom Visa 6 months 12.99-22.99% variable** Link
TrueEarnings Card from Costco and American Express 6 months 15.24% (prime rate + 11.99%) Link [americanexpress.com]
Citi Forward Card 7 months 12.99-19.99% variable Link [citiforward.com]
Discover Student Card 9 months 12.99-19.99% variable Link [creditkarma.com]
Discover Open Road Card 12 months 11.99-19.99% variable** Link [creditkarma.com]
Capital One Orbitz Visa Platinum 12 months (March 2012) 13.9-19.9% variable Link [capitalone.com]
Citi Platinum Select MasterCard 12 months 11.99-19.99** Link [citicards.com]
Slate from Chase 15 months 11.99-21.99% variable** Link
** APR depends on credit score


HIGH REWARDS

Card Name Rewards Link
Discover Student Card 5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000 Link [creditkarma.com]
Citi Forward Card Points redeemable for gift cards; 5 points/dollar for entertainment, 1 point/dollar for other purchases, 6000 points for spending $250 within first 3 months Link [citiforward.com]
AmEx Plum Card 1.5% discount for prompt payment OR 2 months with no interest Link
Discover More Card 5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000 Link [creditkarma.com]
AmEx Blue Card 3% cash back at supermarkets, 2% cash back at gas stations and department stores and 1% cash back on all other eligible purchases Link
Penfed Visa Platinum Cashback Rewards 5% on gas, 1% on everything else; must be Penfed member; second card on list Link [penfed.org]
Associated Bank Visa Signature Rewards Card 1% CB on everything, 1 point per dollar, 3 points per dollar on groceries, gas, drugstores Link [associatedbank.com]

1,081 Comments

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#586
Quote from thinktank123 View Post :
yes, they lied. i have 7 chase cards. it's probably his credit score that he got denied
I have a couple of chase cards, too, but had to speak to recon to, well, reconsider. I think, based on experience, that chase doesn't like giving out alot of cards in a short period of time. Depending on the most recent card you've applied for, it can be between 3-6 months. I make sure to wait at least 3 months before applying for a new card.

This is just my extrapolation from my experience, so it could very well be based on other things.
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#587
Quote from Deucer View Post :
Sorry, should have been clearer. I was looking for a new card to get and then make this purchase with, not a card to transfer to. I guess I could just pick up the chase slate and put it on my starwood card, then make the transfer. But I thought I might be able to make out better with an introductory offer of some kind.

I don't know if you have a business or not, but Ink Bold and Ink Plus are both offering 50,000 UR points if you spend $5,000 in the first three months. So... apply for both, and the Slate, split the cost on both cards, transfer to Slate.

Applying for all three can be tricky, though. I haven't tried it, but I've heard tell of a method, using three seperate browsers (not windows of the same browser, but browsers), apply for three cards at once, it should show as one credit pull. Not my experience though, but a quick google search should give you the info.
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#588
Quote from wi1ll View Post :
Any recommended card that's great for gas or general paying bills and grocery shopping (costco)? Currently only have a chase Freedom. Considering Discover or AMEX. Any suggestions would be appreciated.

Depends what you're looking for. Personally, I generally use the Chase Freedom for all of my purchases, since it's so easy to rack up points (I have a Chase account, so 1 per dollar, plus 10%, plus 10, and that's not even with the online mall, or rotating 5%)

If I need to use an Amex, I like using Starwood, their points are good for travel deals, and if you're into selling points, sell for a nice amount.

PenFed has a Visa that offers 5% back on gas, 3% back on groceries, and 1% on everything else. I think you need to be a member, but it's easy to get membership. IIRC, you can make a donation to certain organizations (Veterans something, or something something...) and that will get you membership to PenFed. I'm a bit fuzzy on the details, though...
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#589
Quote from nrzions View Post :
I don't know if you have a business or not, but Ink Bold and Ink Plus are both offering 50,000 UR points if you spend $5,000 in the first three months. So... apply for both, and the Slate, split the cost on both cards, transfer to Slate.

Applying for all three can be tricky, though. I haven't tried it, but I've heard tell of a method, using three seperate browsers (not windows of the same browser, but browsers), apply for three cards at once, it should show as one credit pull. Not my experience though, but a quick google search should give you the info.
lol, impressive. i was wondering whether to apply to Slate for the 0% APR 0% BT ...but don't you think you're doing "too much, too fast" with that strategy and end up getting all 3 accounts canceled (since they're all with Chase).
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#590
Quote from nrzions View Post :
Chase Freedom for all of my purchases, since it's so easy to rack up points (I have a Chase account, so 1 per dollar, plus 10%, plus 10, and that's not even with the online mall, or rotating 5%)
.
Do they still do the 10% thing i thought they stopped?
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#591
Quote from thinktank123 View Post :
lol, impressive. i was wondering whether to apply to Slate for the 0% APR 0% BT ...but don't you think you're doing "too much, too fast" with that strategy and end up getting all 3 accounts canceled (since they're all with Chase).
You wouldn't get them cancelled, the application would just be denied. I agree, it is a bit dicey - the three browser method is used by credit card churners, but I don't know if you want to go that route.

If you apply for one at a time, though, I'm fairly certain that Chase would not approve all three.

Quote from kyotuosa View Post :
Do they still do the 10% thing i thought they stopped?
Good point, now that you mention it. I think I've been grandfathered in, but new accounts don't get the 10%.
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#592
Somewhat of a newbie here.. do loan payments (ie. student loans, car payments) count towards earning points like a purchase, with respect to point-earning credit cards in general--particularly Chase Freedom?
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#593
If you are able to charge it on a credit card, then yes.
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#594
Quote from wi1ll View Post :
Any recommended card that's great for gas or general paying bills and grocery shopping (costco)? Currently only have a chase Freedom. Considering Discover or AMEX. Any suggestions would be appreciated.
Quote from Toby16custom View Post :
I am actually in the same boat, AMEX Blue seems like a good option I got a direct mail offer for $250 cash after spending 500 in the first 3months
If you want Amex for Costco, wouldn't it be best to get the Costco Amex?
Think I will pull the trigger on that one so I'll have two visa, one amex.
Obviously it depends on how much you spend but the Costco rebate would probably outweigh the Blue signup bonus.
Quote from hydrotoise View Post :
Somewhat of a newbie here.. do loan payments (ie. student loans, car payments) count towards earning points like a purchase, with respect to point-earning credit cards in general--particularly Chase Freedom?
If they accept credit card payments, it will count as a purchase and earn points.
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#595
I am looking to open a Discover card... are there any referral deals or promos? Thanks!
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#596
Quote from slimcubby View Post :
I am looking to open a Discover card... are there any referral deals or promos? Thanks!
There's a refer a friend, $50 to the referrer and $50 to the referee, if you wanna do that PM me with an email address and I'll send you the invite link
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#597
I have to mention that Discover has very sketchy rewards program. You have to watch your rewards balance very closely, otherwise you will have the false assumption that you are earning rewards while you DO NOT.

For example, I just realized today that they are only giving %0.25 cash back on "discount store" purchases like BJ's, etc.. I don't know where else they classify as discount store, but this is something to consider. Another thing to consider is, watch your rewards carefully, even with that when I made $1055 in purchases and only $240 of this at BJs, I only got $0.50 at %5 department store promotion and only $2.26 at everywhere else.. even though it should be at least $5 for the everywhere else.
Anyway, I called Discover and they told me that some rewards lapse to next statement and will appear in that next statement, I don't really buy that because Chase Freedom adds the rewards to the dot for each statement.

I used Discover only for the $100 they were offering, and I felt like I should let them make some money by keeping it in my wallet and using it, but now I think I will stop using it because it is so hard to follow their rewards structure. Plus most places (just last month I got two places reject Discover) don't accept discover around here.

Once I stop using Discover, I will check and go through my rewards closely and see what happens.
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#598
Any recommendation for someone to supplement a Chase Freedom card with only 14 months of credit history?

-no fees
-yearly international trips
-never above 30% utilization
-70k salary if that means anything
-payed off in full every month
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#599
Quote from omghaxcode View Post :
Any recommendation for someone to supplement a Chase Freedom card with only 14 months of credit history?

-no fees
-yearly international trips
-never above 30% utilization
-70k salary if that means anything
-payed off in full every month
Capital One for the no international exchange fee.
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#600
Quote from tadc View Post :
Capital One for the no international exchange fee.
which one? Venture One, Cash Rewards, or another?

Also, will I get approved? I put about 2k through my Chase Freedom a month for 13 months but limit is only $1,700 after being raised from $1,200 a few months ago. I'm constantly spending $200, paying it off and repeating so that's kinda why I want this card.

No car payments, loans, etc. Other than my apartment checks, not much credit.
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