| 05-09-2011, 06:23 PM | #1 |
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Credit Cards
after receiving a letter in the mail today that i will now have a 29.99% penalty charge on one of my CCs i am looking to switch to one with rewards. I know i wont be late as i never have and my credit is great, very high 700s. this is what i needed to to start looking for a new card with rewards since both of mine don't and i have been lazy to sift through the thousands of different ones. I am currently remodeling the house i just bought and have more $$ on this CC then i have ever had so i assume this is the reason they want to rape me. well fuck em, im out. but i may keep it around since my apr is 9.24
what cards do you guys have or recommend with rewards. If you have had a bad experience with one, please share. 0.00 apr on transfers would be sweet
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| 05-09-2011, 06:32 PM | #2 | |
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Capital One and Discover.
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| 05-09-2011, 06:32 PM | #3 |
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ghey
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Most of them are changing to high penalty APRs, I have a card with a balance of $450 out of $7000 and they sent the same letter you got last week.
I've started using my AMEX Gold for everything, granted it's not a revolving line of credit (full pay off required each month), but it seems to have the best rewards and the best discounts on hotels/travel etc. It's 1 point per dollar, so it adds up fast. If you get the premier rewards you get 3x for airfare, 2x for gas I think, and 1x for all other purchases. Higher annual fee, but better perks. I started typing out all of the cards I have just now and it's depressing. brb suicide. I have like 9 credit cards. wtf. I am pretty happy with first national, first they bumped my rate by 2% and I bitched at them, then moved the funds off of the card.. They sent me a 7.99% lifetime APR, no fee on a balance transfer offer. Pretty good deal I guess. Keep in mind when you do a balance transfer that amount generally doesn't count as rewards so you won't benefit from that portion of it. Discover is a bunch of idiots, I've never had one but they offer me one once or twice a month, I've tried to accept their offers twice now in the past few years and they say oh sorry.. then 3 days later they let me know i'm approved. Idiots. |
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| 05-09-2011, 07:00 PM | #5 | |
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| 05-09-2011, 07:21 PM | #6 |
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http://e90post.com/forums/showthread...credit+rewards
tons of info and rewards from different cards throughout the thread. I think you may have missed this one
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| 05-09-2011, 07:24 PM | #7 |
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creditboards.com has the best info on this stuff
there are some cards like the costco amex and some reward cards from credit unions that are pretty good
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| 05-09-2011, 07:28 PM | #8 |
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chances are that whatever car you get now, will carry 24.99% APR or more. this one dude got a card at 79.9% ARP. lol
http://www.nbcsandiego.com/the-scene...-64173667.html
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| 05-09-2011, 09:19 PM | #10 | ||
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| 05-10-2011, 01:42 AM | #11 |
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Yeah CB is pretty good for info on what the best rewards programs are. Mostly it depends on how much you spend and if you want cash, miles, or points.
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| 05-10-2011, 01:47 AM | #12 |
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| 05-10-2011, 02:22 AM | #13 | |
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| 05-10-2011, 02:30 AM | #14 |
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pfft
every perk with that card is expensive.. I can get better deals if I look for it I've browsed through their "exclusive" magazine a few times... I know 5 people that have the card.. the concierge service is useless and expensive... you're better off buying a Vertu.. they have a better concierge service
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| 05-10-2011, 06:50 PM | #16 | |
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| 05-10-2011, 07:31 PM | #17 |
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Thanka for some ideas. I will look around.
As for the black card my buddies friend has one and lets say his bach party in vegas Was something I will never forget. No lines, anything u wanted. Tables everynight. Fuckin rockstar with that thing.
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| 05-12-2011, 04:13 PM | #18 | |
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i see those Amex black card on a weekly basis... its pretty baller... VISA also have their own black card out but seriously... paying $7500 just to be a member to have their card is a little crazy if your not a millionaire...
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| 05-12-2011, 04:39 PM | #19 | |
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I was quite annoyed and let them know it.
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