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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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#646
Im looking for a card that will just get me some QUICK free flyer miles.. anyone know of a good one? maybe a sign up reward?
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#647
Quote from domaination View Post :
Im looking for a card that will just get me some QUICK free flyer miles.. anyone know of a good one? maybe a sign up reward?
There are a lot of them. You may want to be more descriptive as to where you live, what your preferred airline is, where you want to travel to etc. or just look at the post above yours and get a general option.
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#648
Quote from domaination View Post :
Im looking for a card that will just get me some QUICK free flyer miles.. anyone know of a good one? maybe a sign up reward?
US Airways card by barclays gives 40k miles with first purchase. Quickest and easiest I'd say.

Like LivinSC says, it all depends on what airlines and where you wanna go.
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#649
Quote from Dem Bums View Post :
southeast asia. I already have a Sapphire Preferred and a Freedom. I wish I knew about that British Airways card awhile ago, I don't have enough time to reach those spending requirements now.
If you already have a good amount of Ultimate Rewards points and you want to go to SE Asia, sounds like pursuing more UR points along with United miles is the best bet.

Look into the Chase UR business cards like Ink Plus & Ink Bold, also the United MileagePlus Explorer card.
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#650
Just wanted to let people here know that I applied for a Chase Freedom card and was approved instantly. My only credit history is being an authorized user on my dad's Discover.

BoA CashRewards declined me with reason "authorized user does not mean anything to us since you are not responsible for the account" and told me to build credit and apply again later.
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#651
I'm hoping some of you credit card gurus could give me some advice. I apologize for not reading through the thread. I saw list of cards on the front with the balance transfer.
My Gf other has a credit card which she doesn't use anymore but she racked up a bit of debt on. She pays the monthly bill every month but unfortunately she is just paying off the interest on her debt and not making any real progress in paying off the card since it has a high APR.

Does anyone no what would be a good card for her to switch over her debt so she can actually start getting this paid off? Should she use one of the cards listed on the first page with the balance transfers and if so which would be one of the better ones to use?

Thanks
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I beat the Kobayashi Maru
2,027 Reputation
#652
Quote from peter0328 View Post :
Just wanted to let people here know that I applied for a Chase Freedom card and was approved instantly. My only credit history is being an authorized user on my dad's Discover.

BoA CashRewards declined me with reason "authorized user does not mean anything to us since you are not responsible for the account" and told me to build credit and apply again later.

After getting a secured CC with BoA, the first non-secured CC that I got was also the Chase Freedom.
I think it's an excellent card because it has NO annual fee, has amazing 5% cashback rotating categories and gives you an "in" with Chase in the long run...provided you don't mess up.


On the other hand, getting a secured credit card with BoA is a good way to get an "in" with BoA. I had the secured card for 7 months before getting a call from BoA asking me if I was interested in a unsecured CC.


Good Luck. Be responsible with your credit and you'll have a LOT of doors open to you in the long run.
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#653
Quote from teqeeler View Post :
I'm hoping some of you credit card gurus could give me some advice. I apologize for not reading through the thread. I saw list of cards on the front with the balance transfer.
My Gf other has a credit card which she doesn't use anymore but she racked up a bit of debt on. She pays the monthly bill every month but unfortunately she is just paying off the interest on her debt and not making any real progress in paying off the card since it has a high APR.

Does anyone no what would be a good card for her to switch over her debt so she can actually start getting this paid off? Should she use one of the cards listed on the first page with the balance transfers and if so which would be one of the better ones to use?

Thanks
About a year ago, I got the citi diamond preferred card to make purchases that I didnt plan on paying off immediately. It offers 18 month 0% interest and no annual fee. I think that should give her a substantial amout of time to pay off her old card without incurring any additional interest or fees.
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ㄚ◯∪'尺モ 山モㄥ匚◯爪モ!
2,008 Reputation
#654
Quote from teqeeler View Post :
I'm hoping some of you credit card gurus could give me some advice. I apologize for not reading through the thread. I saw list of cards on the front with the balance transfer.
My Gf other has a credit card which she doesn't use anymore but she racked up a bit of debt on. She pays the monthly bill every month but unfortunately she is just paying off the interest on her debt and not making any real progress in paying off the card since it has a high APR.

Does anyone no what would be a good card for her to switch over her debt so she can actually start getting this paid off? Should she use one of the cards listed on the first page with the balance transfers and if so which would be one of the better ones to use?

Thanks
Chase Slate is a very popular card on the forums. It has 0% APR and 0% Balance transfer fees for 15 months.
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#655
I know about credit card. Now, I have known about card fee. But don't know how can I get it? Please help me how can I get It.
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#656
I recently graduated and got a job, and I'm looking for a new credit card. I've had a Citi Forward card for almost 3 years now with a credit limit of $2,900. I use between $1000-$2000 per month and have always paid the balance on time, so I would say my credit score is very healthy. The problem is, I find myself very close to the $2,900 limit nowadays and I need another card for emergencies mostly. At the end of the month I sometimes have less than $100-200 in credit available.

Any recommendations for a card that currently has the best sign up bonus? Requirements and fees are not an issue for me, I literally want the best sign up bonus that's being offered and reward system. I'm thinking of making the new card my main one and having the Citi as a backup since my credit score on there is already good with a decent limit. A few things to note is that I do not want a card that offers bonuses for travel. My dad works for the airlines so I never have to worry about flight/hotel. Also I primarily use my card for shopping, eating, and gas. That's about it.

Also, how much should I have in my checkings account before applying for a credit card? And do my chances of being accepted go down if I don't have a savings account? If these factors do affect me than I can save a few more months before applying because I only recently started working and have little liquid cash. Most of my money goes straight to my CC statement, and is also recently starting to build up since I started working.
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#657
Quote from fstop View Post :
I recently graduated and got a job, and I'm looking for a new credit card. I've had a Citi Forward card for almost 3 years now with a credit limit of $2,900. I use between $1000-$2000 per month and have always paid the balance on time, so I would say my credit score is very healthy. The problem is, I find myself very close to the $2,900 limit nowadays and I need another card for emergencies mostly. At the end of the month I sometimes have less than $100-200 in credit available.

Any recommendations for a card that currently has the best sign up bonus? Requirements and fees are not an issue for me, I literally want the best sign up bonus that's being offered and reward system. I'm thinking of making the new card my main one and having the Citi as a backup since my credit score on there is already good with a decent limit. A few things to note is that I do not want a card that offers bonuses for travel. My dad works for the airlines so I never have to worry about flight/hotel. Also I primarily use my card for shopping, eating, and gas. That's about it.

Also, how much should I have in my checkings account before applying for a credit card? And do my chances of being accepted go down if I don't have a savings account? If these factors do affect me than I can save a few more months before applying because I only recently started working and have little liquid cash. Most of my money goes straight to my CC statement, and is also recently starting to build up since I started working.
In the case of some cards, you are able to do a credit line increase without a hard credit enquiry. I would definitely call City and ask if they can give you a higher limit without a hard credit pull (or may be even a hard credit pull if you can afford the temporary reduction in score due to it)

As of now I am not seeing best signup bonus aligned with best rewards system
And since these are your first cards, it may not be a bad idea to give importance to rewards over signup bonus considering that you re going to hold these cards for long to build good credit history. Also keep in mind that Amex benefits (extended warranty, purchase protection, extended car rental etc. are top nothc. So is Discover. Also Amex has Twitter promos, small business saturday etc.).

Best rewards cards for me are :-

Amex Blue Cash -> http://slickdeals.net/f/5853028-American-Express-Blue-Cash-Everyday-Preferred-Offers-150-250-signup-bonus-YMMV?v=1

Penfed Platinum VISA (might be hard to get depending on credit) -> https://www.penfed.org/platinum-rewards/

Discover It -> https://www.discover.com/credit-cards/

Chase Freedom -> https://creditcards.chase.com/fre...fault.aspx

Best CURRENT signup Bonus -> http://slickdeals.net/f/5796462-United-Explorer-credit-card-55K-0-fee-first-year-YMMV?v=1
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#658
Quote from fstop View Post :
I recently graduated and got a job, and I'm looking for a new credit card. I've had a Citi Forward card for almost 3 years now with a credit limit of $2,900. I use between $1000-$2000 per month and have always paid the balance on time, so I would say my credit score is very healthy. The problem is, I find myself very close to the $2,900 limit nowadays and I need another card for emergencies mostly. At the end of the month I sometimes have less than $100-200 in credit available.
First, you really need to read up on how your credit score is determined. One of the factors involved is the ratio of your available credit to the amount of credit you're using.. and unfortunately, your utilization is very, very high. A 'good' utilization is under 30%, great is under 10%, best possible is under 7% (general guidelines). Being under 50% would be much better than nothing, but using most of your available credit each month is going to hurt your score quite a bit.

Getting a new card will definitely help, as you'll significantly increase your total available credit, but using most of your available credit on one particular card (even though it's not as much of your total available credit on all of your cards) is still going to hurt your score.

Also, having more open lines of credit (including credit cards, loans, etc) will help your score in a few different ways (more open credit lines, plus increased total available credit, plus longer credit history, longer history of on-time payments, etc).

Quote from fstop View Post :
Any recommendations for a card that currently has the best sign up bonus? Requirements and fees are not an issue for me, I literally want the best sign up bonus that's being offered and reward system. I'm thinking of making the new card my main one and having the Citi as a backup since my credit score on there is already good with a decent limit. A few things to note is that I do not want a card that offers bonuses for travel. My dad works for the airlines so I never have to worry about flight/hotel. Also I primarily use my card for shopping, eating, and gas. That's about it.
There are a lot of forum threads about it, so I would search though the finance forum (use the search on the top right) first, but I would recommend Discover IT, Chase Freedom, and Amex Blue Cash Everyday.

I would recommend strongly against cards with fees unless you plan to spend a lot of money on the rewards categories. If you switch to a different card for those rewards, or end up not spending as much as you thought, or moving to a place where you don't spend as much on the rewards categories, you'll end up either eating the fees, or cancelling the card (which is generally a bad idea).

Personally, I would suggest getting about 3 or 4 cards for the best rewards options. Some cards offer rewards on gas, some on groceries, some on a little bit of everything.. having a few cards means you can get better rewards on more of your spending.

Quote from fstop View Post :
Also, how much should I have in my checkings account before applying for a credit card? And do my chances of being accepted go down if I don't have a savings account? If these factors do affect me than I can save a few more months before applying because I only recently started working and have little liquid cash. Most of my money goes straight to my CC statement, and is also recently starting to build up since I started working.
I would recommend having enough in your account to cover your total available credit limit, and always pay off your full card balance on time (never miss a payment, never pay less than the full statement balance, if at all possible).

I doubt that not having a savings account will affect your chance of getting accepted for a card.

My recommendation after all of this is to post your own thread here with as much detail as possible (after reading through relevant forum threads anyway, which will give you a ton of information already). You'll get more people reading it, and more detailed help with your specific situation.

Hope that helps Smilie.
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#659
Quote from fstop View Post :
I recently graduated and got a job, and I'm looking for a new credit card. I've had a Citi Forward card for almost 3 years now with a credit limit of $2,900. I use between $1000-$2000 per month and have always paid the balance on time, so I would say my credit score is very healthy. The problem is, I find myself very close to the $2,900 limit nowadays and I need another card for emergencies mostly. At the end of the month I sometimes have less than $100-200 in credit available.
With credit utilization so high, you should really try to make a mid month payment. Put like a $1k payment in the middle of the cycle and then another at the end so it doesn't appear that you are using so much of your credit.

Also, it might help to call Citi and tell them about your new (hopefully improved) income and ask for a credit limit increase.
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#660
Quote from ikuvae22 View Post :
I know about credit card. Now, I have known about card fee. But don't know how can I get it? Please help me how can I get It.
If you're asking about getting a US card as a non-resident, I don't know much about it other than it's difficult.
Quote from fstop View Post :
I recently graduated and got a job, and I'm looking for a new credit card. I've had a Citi Forward card for almost 3 years now with a credit limit of $2,900. I use between $1000-$2000 per month and have always paid the balance on time, so I would say my credit score is very healthy. The problem is, I find myself very close to the $2,900 limit nowadays and I need another card for emergencies mostly. At the end of the month I sometimes have less than $100-200 in credit available.
As stated above, your high utilization is hurting your score.

Before you apply for anything new you need to fix this. Ask Citi for a limit increase and stop spending so much on the card, or just start paying it 2 times a month. I'm not sure how much persistence utilization has but I think it should only take a few months to remedy this.

If you want the *literally* (actual literally, not internet literally) best bonus, you will probably have to wait for a while until a good one comes around. Maybe search for historical deals to see what you can expect on the high end.

I don't know about their current signup bonus, but I like the Costco Amex for the dining out and gas bonus. There's also a Pennfed (or was it USAA?) card that has a good anytime gas bonus... it was mentioned recently in this thread.

Quote from fstop View Post :
Also, how much should I have in my checkings account before applying for a credit card? And do my chances of being accepted go down if I don't have a savings account? If these factors do affect me than I can save a few more months before applying because I only recently started working and have little liquid cash. Most of my money goes straight to my CC statement, and is also recently starting to build up since I started working.
Your bank account balances have zero to do with whether your approved for a card.

The *only* info the card issuer has to go on is what's in your credit file and on your application. Your credit file only contains basic info on your accounts, how long they've been open, limit, high balance and any late payments. They may ask you *if* you have a checking/savings and if you own/rent and your income, but that's entirely based on *what you tell them*.

Last, you might want to check out a forum such as myfico for more helpful info.
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