Topic 'Need Credit Card Recommendation' in forum 'General Questions' - dslreports.com http://www.dslreports.com/forum/Need-Credit-Card-Recommendation-23307995 en Sat, 11 Feb 2012 06:19:30 EDT Sat, 11 Feb 2012 06:19:30 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23382135 http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23382135 Mon, 23 Nov 2009 08:01:21 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23381459 said by Maccawolf:

I keep getting offers in the mail for their Platinum card (I have three Amex) but I don't want to pay ANY yearly fee, much less the $495 they want for platinum...
but they can get you tickets to sold out events..
i'm unsure of what the last metal they offered me was but the fee was $675/year.
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When I gez aju zavateh na nalechoo more new yonooz tonigh molinigh - Ken Lee]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23381459 Sun, 22 Nov 2009 23:49:47 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23381124
I had an outstanding balance with them, it was $0.00.

If I were you, I'd see if there are any credit unions available to you in your area. They normally have good rates, but they may be lacking in the "perks" department. ]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23381124 Sun, 22 Nov 2009 22:23:17 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23378898 --
Mom and Crockett...... I miss you both!]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23378898 Sun, 22 Nov 2009 12:31:27 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23378766 I lurk there all the time DON'T post unless you ABSOLUTELY have to, they are known to be viscous. That said, there is always GREAT info there.....
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Mom and Crockett...... I miss you both!]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23378766 Sun, 22 Nov 2009 11:58:27 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23377789 --
When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23377789 Sun, 22 Nov 2009 01:42:32 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23377639 http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23377639 Sun, 22 Nov 2009 01:01:36 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23377354
Anyhow, I'm glad you got a card you are satisfied with.
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When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23377354 Sat, 21 Nov 2009 23:14:33 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23374593
Thanks to all who posted a suggestion.

I eliminated the Discover and Amex options because they are not as widely accepted as Visa and Master Card.

I started the SimmonsFirst application, but bailed on that. It was a multi-page application where you can't see the whole application. The first page wanted my mother's maiden name, which I didn't like. I'm over 50, and I don't think I need a note from my mom to apply for a credit card. They can ask all they want about me, but I won't be answering questions about my family.

The other good suggestions, USAA, Pen Fed, and Schwab all had eligibility requirements that I did not meet, or the offer was no longer available.

I tried my credit union (L&N, which is available to every resident and worker in the county where I reside), and they continue to disappoint. I didn't like their mortgage offering, nor their checking offer, and now their credit card failed to offer any particular benefit to me.

So, I ended up applying with the same bank (BB&T) where I have my mortgage. No cash back, but no annual fee either. They approved me for a Visa Platinum (I opted for a variable rate, Prime plus X% [forgot the exact percent]) with a $10,000 limit, which is generous compared to the $3,500 limit that HSBC thought I did not fully deserve.

I am hopeful that at least one person who works for HSBC may be reading this. If so, I'd like to say to you that I have upped my standards, so up yours.]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23374593 Sat, 21 Nov 2009 10:04:42 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23345393
I got a capital one and chase card. Capital one credit limit and APR is pretty bad, so I hardly used this card except when I traveled abroad, there are not fees. My chase card has a good APR and credit limit, and 1% cashback on all purchases. This is what I used the most in the states. Customer service has been surprisingly great for both cards.]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23345393 Sun, 15 Nov 2009 18:54:39 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23344908
Citi is raising my rates to 14.99%-29.99%
I have a FICO of 809, and never carry a balance, but there has been a time or two over the decades where I got busy and got the payment out at the last minute. I just know Citi will no longer wave huge fees and hit me with a 15% rate for being late. I run from $200-$3000 month at times, depending on what came due that month. Always paid off, but if it was $2000 that is $25 interest, plus any late fees.

So, I will be getting a SimmonsFirst card as a backup.
Thanks for that advice, 7..25% should I ever need it is not that bad. ]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23344908 Sun, 15 Nov 2009 16:19:25 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23343553 --
When I gez aju zavateh na nalechoo more new yonooz tonigh molinigh - Ken Lee]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23343553 Sun, 15 Nov 2009 07:56:20 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23322608
By the way, their new card-member offer isn't as sweet as I got. Now you get the first year free and if you spend 500 bucks the first three months, they will give you 10,000 points which is good for a 100 dollar gift card. ]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23322608 Tue, 10 Nov 2009 20:21:07 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319606 said by Kramer:

I suppose if there isn't going to be any balance at the end of the month, there is little to no risk. It is only people that carry balances that restrict their options. I've been there. I just don't see the sense in signing on the dotted line with a company that has absolutely no intention of abiding by the terms of an original offer even for a short period of time. This is pretty much 80% of all the cards out there. I am just suggesting extreme caution.
I hear ya, man. :)

I know that the new laws will "help" insofar as the card companies can't change their terms and conditions as easily they once might have. But I'm skeptical that the same folks who clamored so loudly for these new laws are not going to end up being worked sideways all over again. [shakes head doubtfully]

I did want to ask: when you cancel a Gold Card, do they pro-rate the annual fee and refund you something? Or once you cancel the card, are you out the annual fee even if you cancel it, say, six months into the year?
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"I thought he was a piñata."

--Winner, Worst Legal Defense Award]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319606 Tue, 10 Nov 2009 10:54:03 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319533
I'm really not that enthusiastic about Amex. Every year I wonder if I should just close the account. What I like about them is it is something you buy and they must provide the services to you to make it worth it. They are certainly not for everyone... but they offer a product that there is no way you can get sucked into a relationship that you can't get out of. ]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319533 Tue, 10 Nov 2009 10:43:09 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319477 said by Kramer:

said by Mr Neutron:

said by Kramer:

The AMEX gold card does not have an interest rate in most cases, since the balance must be paid in full each month. I know they are at the top of the list for abusive companies with the cards that allow balances.
Sorry, by "they" do you mean AMEX? Or someone else? I ask because AMEX has both credit and charge products.
Yes, I meant AMEX and it is their credit cards that have achieved them the dubious honor of being disreputable.
Actually, they've engaged in some rather dubious practices with their charge cards as well.

In an effort to boost their cash flow, they were actually calling up Gold Card holders and urging them to pay bills that weren't even due yet. Sure, AMEX can do that, (there's nothing illegal about such a practice that I know of) but I don't know of too many people who want to hear from their card company when they're paying their bills on time and it's the card company (rather than the cardholder) that is experiencing a cash flow problem.

said by Kramer:

I actually know someone that has the AMEX Titanium card. It is actually made of titanium. If you travel a lot, I suppose the high cost of that might make sense, but I don't see it.
I agree entirely. And unless you make full use of the benefits the Gold Card offers, handing AMEX $125 for using one of their cards may not be in a consumer's best interests, either.

It all depends on their spending patterns and what they'll be using the card for.
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"I thought he was a piñata."

--Winner, Worst Legal Defense Award]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319477 Tue, 10 Nov 2009 10:33:01 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319427 said by Kramer:

You didn't read my post. AMEX usually gives you the gold card for free for the first year. I think I got a $150 credit on my first statement and a free card, which was $275.00 in benefits. I think they also gave me 10,000 points which is good for almost a half an airplane ticket. I suggested the OP seek out a free Gold Card if possible and wait until the protection laws take effect before getting a credit card.
AMEX waiving the fee for the first year is not the same as them giving you a card free of annual fees. And after the first year, AMEX is indeed going to be charging you an annual fee: that half a place ticket they tossed you has to be paid for.

I think it's great that you're so enthusiastic about AMEX, but I'm unclear as to why the OP should wait until February to apply for a credit card. Those "protection" laws you refer to only mean that the card companies will be forced to seek different ways of raising revenue; they will not preclude the card companies from taking advantage of consumers. The card companies will simply do so via different methods than they have in the past, that's all. Those laws, after all, were not written in a vacuum.

I agree that the OP should shop around carefully for a card or two, but wait until February? From my perspective, that's wasting three months when their new account could be aging.
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"I thought he was a piñata."

--Winner, Worst Legal Defense Award]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319427 Tue, 10 Nov 2009 10:23:53 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319392 said by Mr Neutron:

said by Kramer:

The AMEX gold card does not have an interest rate in most cases, since the balance must be paid in full each month. I know they are at the top of the list for abusive companies with the cards that allow balances.
Sorry, by "they" do you mean AMEX? Or someone else? I ask because AMEX has both credit and charge products.
Yes, I meant AMEX and it is their credit cards that have achieved them the dubious honor of being disreputable. I'm sure if they could screw people with a gold card, they would. The problem for them is it is a product you pay for. If they don't offer me some benefit for using the card, I can cut it up and tell them to go to hell. Just one example of a benefit: They are the only credit card company I know of that offers primary auto insurance on rental cars. It is a privilege you pay for at the beginning of each rental, but it is only a few bucks and insures that should there be an accident, your insurance would never be involved. It even covers loss of use penalties that rental companies now charge you for when their cars are damaged. This is their latest trick to get you to buy their expensive insurance. You don't want to be responsible for a car that brings in 50 bucks a day, sitting in a body shop for 30 days. Don't mistake primary auto insurance for what a lot of credit card companies offer which is simply to cover the deductible before your insurance takes over. They will not help you with loss of use charges.

My father was refunded 40 thousand dollars by Amex when a company he did business with went bankrupt. It was way too late to back charge them. Amex became a creditor, just like everyone else. This was with the Platinum card, which is really expensive, but for some really worth every cent.

I actually know someone that has the AMEX Titanium card. It is actually made of titanium. If you travel a lot, I suppose the high cost of that might make sense, but I don't see it. ]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319392 Tue, 10 Nov 2009 10:16:21 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319300 http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319300 Tue, 10 Nov 2009 09:59:34 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319261 said by Kramer:

The AMEX gold card does not have an interest rate in most cases, since the balance must be paid in full each month. I know they are at the top of the list for abusive companies with the cards that allow balances.
Sorry, by "they" do you mean AMEX? Or someone else? I ask because AMEX has both credit and charge products.
--
"I thought he was a piñata."

--Winner, Worst Legal Defense Award]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319261 Tue, 10 Nov 2009 09:53:21 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319214 said by Kramer:

The only card I would recommend costs $125/year (usually they will give you the first year free) and that is the American Express Gold Card.
The AMEX Gold Card is only worth it if you make use of the benefits. Other than that, you're paying a CC company $125 a year for the privilege of making them money. You decide if this is a good idea or not.

I'm unclear as to why someone would need to have an AMEX Gold Card in order to make sure they PIF every month. If someone is not already disciplined enough to pay off their CC every month, signing up for a charge card isn't really going to help things.

Speaking of which: the Gold Card is a charge card rather than a credit card. A credit card allows the cardholder to revolve a balance; a charge card does not.

I appreciate where you're coming from on this, and for some folks, (e.g. people who travel a lot) having a Gold Card is a good idea. However, the OP told us in their first post that they aren't interested in paying an annual fee, so the Gold Card probably isn't the best fit for them.
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"I thought he was a piñata."

--Winner, Worst Legal Defense Award]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319214 Tue, 10 Nov 2009 09:46:23 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319116 www.nytimes.com/2009/11/10/your-···tes.html

I'm sure there are some solid decent citizens out there in the banking world, but it pays to be very cautious in this environment. There are not many of the good guys left. ]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319116 Tue, 10 Nov 2009 09:28:55 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319027
You can do all of what you mention without paying a annual fee by simply doing all of those things.
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Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23319027 Tue, 10 Nov 2009 09:07:53 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23318994 www.google.com/hostednews/ap/art···9BS7KO03

The credit card industry is in turmoil and they are screwing everyone and everything they can. Even if they tell you it is a no fee card, it might not be in a few months. They may offer you a reasonable interest rate only to raise it to 29.99% a few months later. It is a new world out there and a really bad time to sign up for a credit card. The only card I would recommend costs $125/year (usually they will give you the first year free) and that is the American Express Gold Card. You can't carry a balance on it except under certain circumstances I will not get into. You must pay the card off in full each month. If you can get one for free for the year, it might be a decent holding pattern to take until the new rules take effect and the companies have less wiggle room to screw you. These are people you really do not want to do business with. They are no better than loan sharks now. ]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23318994 Tue, 10 Nov 2009 09:02:04 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23318660 http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23318660 Tue, 10 Nov 2009 07:21:48 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23318560 said by TACSPEED:

Schwab Visa. 2% cash back

PenFed Credit Union Visa 5% on gas 2% on Supermarket and 1.25% cash back on everything else.
Is the 5% for a limited time only?]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23318560 Tue, 10 Nov 2009 06:06:17 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23317107
PenFed Credit Union Visa 5% on gas 2% on Supermarket and 1.25% cash back on everything else.]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23317107 Mon, 09 Nov 2009 20:33:05 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23314924 said by dark_star:

Also, I know there are boards dedicated to discussing credit cards. Google isn't what it used to be, and the best sites aren't always listed near the top. So if someone can recommend the good credit card discussion boards, I'd appreciate that.
For reasons I don't understand, creditboards.com hasn't been mentioned in this thread (please correct me if it has). Before you post there, I would make it a point to go through the first six pages of the credit forum:

»creditboards.com/forums/index.ph···lter=all

...and see if your questions aren't answered there. You'll find that's also a useful forum even if you have a card or three, as the latest shenanigans of the card companies are usually discussed/dissected there, too.

The thing to bear in mind is that, sooner or later, all credit card companies are going to pull your chain. So rather than looking at picking up one more card, I would advise you look at picking up at least two. I say this because the average age of your accounts impacts your credit report. So if you end up closing a long-held account as the result of credit card company nonsense, you're going to get dinged big-time if that's your only account. Provided you do not revolve a balance from month to month, having multiple credit cards generally works in your favor.

The idea is to treat whatever credit card company you're currently favoring as a temporary arrangement. Then, when (not if) they get shirty/stupid, you can simply cut them loose and use another card that's ready to go. You said you didn't carry a balance, and that's really the key here. Obviously, once you start revolving a balance, you are more or less at the mercy of the card companies and they will start using you like a whore on a submarine. I am amazed on a near-daily basis by people who still do not seem to understand this, so it's pure pleasure to read a post by one of the 9 people who do get it. :)

Finally, is there a local credit union you like (or could learn to like) that offers credit cards? I ask because I'm not so sure that the big banks/card issuers have quite covered their positions as thoroughly as they say they have (stress test = PR exercise). So if there's someone you can deal with locally, you may want to take a look there, first, if only because the smaller financial institutions cannot typically afford to be as stupid as the large ones when it comes to issuing cards/financial dealings.
--
"I thought he was a piñata."

--Winner, Worst Legal Defense Award]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23314924 Mon, 09 Nov 2009 13:44:24 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23314340 »clarkhoward.com/liveweb/shownote···2/16032/

»clarkhoward.com/liveweb/shownote···8/16304/

»www.smartmoney.com/spending/deal···padref=1

»www.smartmoney.com/personal-fina···o-Avoid/

»www.smartmoney.com/spending/deal···y-Worth/
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Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23314340 Mon, 09 Nov 2009 11:58:02 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23314304 --
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23314304 Mon, 09 Nov 2009 11:51:54 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23314251
In onder of use
Discover - great customer service, 1-5% cash back, customer service is not outsourced, the few times i had an issue it was fixed quickly and to my satisfaction

Citi m/c - 1% cash back, decent customer service, I don't like that you have to wait for 50% in your cash back account before you can request it.

Costco amex - when I shop at Costco (I actually added my mother as an authorized user and she does most of the transactions on the card)

Chase visa - Marriott branded. It's the only card with an annual fee of 65$ and I think it's worth it for me for the 15 qualifying nights I get towards elite status at Marriott. I use it when I stay at Marriotts for personal travel since I get more points per dollar if I was to use it in other places.

The Citi card meets your criteria because I don't think Discover does virtual accounts. But they might, I never really used them.
--
Stupidity, like hydrogen, is one of the basic building blocks of the Universe.

Misc]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23314251 Mon, 09 Nov 2009 11:43:35 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23313308 --
When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23313308 Mon, 09 Nov 2009 08:11:30 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23313260 said by way2evil:

said by dark_star:

I'll check out Citibank.

Reading some of the other boards, it looks like the best card offers are going away even for people with excellent credit.

For example, a 2% cash back card with Charles Schawb is now 404, and the post was only a month or two old.
The Citi cards are great. They have good rewards, but are not easy to file chargebacks. I'm not sure what other banks have you do but Citi has a ton of paperwork that needs to be filled out for each chargeback.

Take a look at the Discover More card. It has 5% cash back in specific categories that rotate throughout the year, and I believe 1 or 2% back on everything else(not sure though).
only downside is discover has to be one of the most "unaccepted" cards. a great card isn't good if where you shop doesn't take it.
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When I gez aju zavateh na nalechoo more new yonooz tonigh molinigh - Ken Lee]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23313260 Mon, 09 Nov 2009 07:44:36 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23312429
I called them to inform them about this internet site(Classmates.Com) that kept charging me even after I told them I didn't want their services anymore, the lady on the phone said; "in 2 days you will receive a new card with a new number and that will be the end of your problems".]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23312429 Sun, 08 Nov 2009 22:46:34 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23312359 --
Democrats are not Socialists any more than Republicans are.]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23312359 Sun, 08 Nov 2009 22:27:23 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23312287
Amex Blue (Warranty Doubled & cash Back, but have to have it to buy anything at Costco besides cash, debit and check)

Discover - More cash back on Gas. Different specials giving you more cashback on items but if you are to busy to track such things it is not worth it.

Citibank - The only reason why I have one is because I searched for a credit card for 1 year Interest free and they came up. If you miss a payment though your 0% Interest will become 20% or higher with fees. They almost did this to me due to a miscommunication on their part.

Tell everyone you know, do not get Airline miles cards. Always get cashback! There are no blackout dates on cash! Tickets go on sale all the time. Cash does not go on sale, unless you are the President of the USA. Then you just give it away...

Who pays for credit cards?
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KieranMullen »360oregon.com
]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23312287 Sun, 08 Nov 2009 22:10:10 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23312058
»www.simmonsfirst.com/creditcards···57917122
--
When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23312058 Sun, 08 Nov 2009 21:16:45 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23311965 --
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23311965 Sun, 08 Nov 2009 20:51:23 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23311938
Ok. I put USAA on my short list. The cash back is weak (less than 1 %) and confusing (website says “up to” but their own examples show less than 1 %). I don't charge much anyway.

They do seem to have a reputation for excellence in customer service, good rates, and no annual fee. After my HSBC experience, a company that treats good people like they are good people is just what I'm looking for.

But from the USAA Wikipedia article, they serve only government and military and former government and military.

I'm not a veteran, and I don't work for Uncle Sam. So I might not be eligible. Do you recall if they asked about your service when you applied?]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23311938 Sun, 08 Nov 2009 20:47:24 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23310172 »www.usaa.com/inet/ent_utils/McSt···ditcards

»www.creditcardguide.com/?s=y1&ch=b1 - more info here - I do not believe that USAA advertises their services at this site.

Our local paper has a money section and USAA is usually listed in the top 3 of credit cards for those that pay off every month with no annual fee.

I have had Citi - I will never have them again. I have had several other cards by mega-banks and would never have one of those again.
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Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23310172 Sun, 08 Nov 2009 13:23:40 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23310045 No annual fees, warranty doubled on all purchases up to an additional year, car rental insurance, purchase protection, etc.
I had to look it up because in 10 years I've never paid interest, but my apr is 10.24%.
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The Geek Shall Inherit the Earth]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23310045 Sun, 08 Nov 2009 12:48:42 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23310002
Yeah, I read the Citi rant thread.

I've got my own rant regarding HSBC. I'll try to make it brief.

In early October, I got a rate rise notice from HSBC, they said it was due to my Equifax report. Fearing identity theft or other snafu, I immediately pulled my Equifax report. It was spotless with an 813 FICO. Not even one late payment or derogatory item.

So as the HSBC notice allowed, I wrote to HSBC requesting the specific reason, in writing, for the rate increase. I did not opt out, but a few day ago I learned that HSBC treated the request for information as an opt out. They closed the account.

So I spent an hour on the phone with them. In that one hour, the lies and misinformation they threw at me:

I previously called in to opt out. (I didn't.)

My letter asking the reason for the update was taken as an opt out request. (the entire body of said letter: “I wish to know the specific reasons for the changes in the terms to my account.”)

I should contact Equifax to learn the reason for the decision. (Equifax does not make decisions about HSBC rates. Equifax only provides credit reports)

I am no longer a union member. (My HSBC card is a Union Plus card. I am still a Union member in good standing).

My Union is no longer in their Union Plus card program. (At last, a lie that I could not refute on the spot! Later, one call to the Union Hall proved that this was another lie. My Local is still affiliated with the HSBC Union Plus program.

So after the hour on the phone, they agreed to “research the matter”. They said they might even reopen the account.

I already know the real reason why HSBC does not want my business. I pay off the card in full whenever I charge anything, so I never pay any interest at all.

These days, that kind of customer does not match their greedy desires.]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23310002 Sun, 08 Nov 2009 12:33:30 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309934 required you to continue using the card to make new purchases. Meanwhile, the payments would go to the low-rate balance. No payments would go to the higher-rate new purchases until the entire balance transferred was paid-off.]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309934 Sun, 08 Nov 2009 12:15:09 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309881
Discover does have some great offers. Better than anyting I've seen for Mastercard or Visa. Due to Discover being less widely accepted than Mastercard or Visa, Discover wasn't really on my list. But that might change.]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309881 Sun, 08 Nov 2009 12:02:27 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309409 [Rant] Citi....ARGH!.

Citi hit me with a $40 annual fee on sears MC with them.]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309409 Sun, 08 Nov 2009 09:35:01 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309257 http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309257 Sun, 08 Nov 2009 08:17:56 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309244
I have to take back what I said about the APR! I just went and checked it. (I was going on memory when I posted earlier). It is now at 19.99% like yours. I was confusing the rate for it with that of Sears MasterCard from Citi that went up last month from 9.99% to 29% and added a $15 annual fee.

I didn't even know until recently that I get 30 minutes a month free on long distance with the card.

So, AT&T card is not bad considering what is happening with some other cards. My Chase MC that changed to that strange new name and color is still at 9.99%.
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When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309244 Sun, 08 Nov 2009 08:05:54 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309178 said by Mele20:

I have a card with AT&T which is Citi since a few years ago. Not only has Citi greatly hiked a lot of APRs but they drop the credit limit now without warning (at least that is what is being reported in the thread). I had my AT&T card credit limit increased by quite a bit (and I did not request this) a couple of months ago but I also had the APR raised to 29% like most everyone else who has cards with them. My AT&T/Citi rate was raised to 19.99% several months ago. My credit limit is $22,000.

Just last week, I finished paying off a sizable balance at 2.99% interest for the past 4+ years (2.99%, not 29.9%). It was a balance transfer offer that was valid until it was paid-off, and I didn't use the card for anything else for the entire 4 year period. It was basically a low-interest, unsecured loan.]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309178 Sun, 08 Nov 2009 07:05:14 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309165 said by dark_star:

Not really wanting to get into the why of it, but I've had it with the idiots and liars at HSBC.

I have excellent credit (my FICO is 813 with Equifax) and I have five years with the same employer.

My wants:

No annual fee. Any annual fee would be a deal breaker.

Although I never carry a balance, due to my credit rating I think I deserve a low rate.

Cash back would be nice, but I care zero about air miles or vacation points.

A card with virtual accounts (one time use account numbers) would be nice.

I've never had to make a charge back, or put any charge in dispute. But if I need to, I want that ability and good customer service.

Also, I know there are boards dedicated to discussing credit cards. Google isn't what it used to be, and the best sites aren't always listed near the top. So if someone can recommend the good credit card discussion boards, I'd appreciate that.

All recommendations will be considered and appreciated.
wellsfargo is great they offerd me a credit card gave me 9.99% for 6mo and 19.99% after that 25days grace period 0.0% one of the few that offer 25days most are less then 20days or none at all

1% cash back

(i have NO credit History that is why i got that rate) they use Visa

you also get a 1 year FREE extended Warranty on Electronics

excluding food,car or car items and services

it's good for Electronics]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309165 Sun, 08 Nov 2009 06:50:45 EDT Re: Need Credit Card Recommendation http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309151
As for Citi, there is a current thread about Citi in Rants and Raves. Read that. I have a Sears MasterCard from Citi and they have now put a $15 annual fee on it (in the thread one person says they are putting a $40 annual fee on all the cards) and upped the interest rate from 9.99% to 29%. I have a card with AT&T which is Citi since a few years ago. Not only has Citi greatly hiked a lot of APRs but they drop the credit limit now without warning (at least that is what is being reported in the thread). I had my AT&T card credit limit increased by quite a bit (and I did not request this) a couple of months ago but I also had the APR raised to 29% like most everyone else who has cards with them.

»[Rant] Citi....ARGH!
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When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson]]> http://www.dslreports.com/forum/Re-Need-Credit-Card-Recommendation-23309151 Sun, 08 Nov 2009 06:30:30 EDT