Apparently my Visa is not going to be renewed (I have no idea why, I've charged thousands and have always paid it as soon as I get the bill, thus never paying interest) and I found out my mastercards are expired (never used them) so I find myself completely without a credit card. As long as I have to go find one, I might as well get a good one. Maybe something with the cash back program? I charge about $1200 month on average, always pay it as soon as I get the bill. I know amercan express does the cash back, but not everyone takes am. exp., so I was thinking Visa. I'd like to have just 1 or 2 cards. I tell you what, its hard not having a credit card! I was going to order another set of rims for my Z then as I was on hold with Summit I was like "Uh, how the hell am I gonna pay for this?". I wish jegs or summit took paypal.......
Need a good credit card
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turbojimmy
Supporting Member
- Joined
- May 26, 2001
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- 5,560
That's strange they didn't renew you. They want you to rack it up, though. If you're not paying any interest it does them no good.
There's bazillions of other Visa and Mastercard providers out there. Every bank has one. I personally prefer Amex. It's easier to stay out of trouble, but it sounds like you're better about paying the balance than I am. Some people don't take it, but most do (like Jeg's and Summit). Amex has a nice rewards program that allows you to swap points with major hotels and airlines. They're also excellent with fraud. I've had my card number stolen a few times and it's never cost me anything. They always catch it before I do, too. I got an e-mail from them yesterday, actually, saying there was 'suspicious' activity on my account. It was legit, but it's nice to know they're watching.
Jim
There's bazillions of other Visa and Mastercard providers out there. Every bank has one. I personally prefer Amex. It's easier to stay out of trouble, but it sounds like you're better about paying the balance than I am. Some people don't take it, but most do (like Jeg's and Summit). Amex has a nice rewards program that allows you to swap points with major hotels and airlines. They're also excellent with fraud. I've had my card number stolen a few times and it's never cost me anything. They always catch it before I do, too. I got an e-mail from them yesterday, actually, saying there was 'suspicious' activity on my account. It was legit, but it's nice to know they're watching.
Jim
Go to your bank
and get a Debit card, mine has Visa insignia, can be used as debit or credit card, as long as you got money in bank, your good to go, inform bank of limit you =want per day, ( or they will set it for about $1000)
no hassle, no interest,
cruzn57
and get a Debit card, mine has Visa insignia, can be used as debit or credit card, as long as you got money in bank, your good to go, inform bank of limit you =want per day, ( or they will set it for about $1000)
no hassle, no interest,
cruzn57
Blown&Injected
Active Member
- Joined
- May 31, 2001
- Messages
- 3,721
Join a credit union and use their card
seems like all the other cards are just out there waiting for the user to make a mistake - pounce - extra charges and interest.
I missed a payment on my card and after about two weeks the new bill came.
No late fee but there was interest on the unpaid balance. I paid the balance and next month there was a credit for the interest!!!!!! I did not even ask, it was my mistake but they do not use stuff like that against their customers.
seems like all the other cards are just out there waiting for the user to make a mistake - pounce - extra charges and interest.
I missed a payment on my card and after about two weeks the new bill came.
No late fee but there was interest on the unpaid balance. I paid the balance and next month there was a credit for the interest!!!!!! I did not even ask, it was my mistake but they do not use stuff like that against their customers.
Discover!!
Nothing like the cash back. It's free money if you pay off your balance each month. We had to rebuild a house and there were weeks when Discover would offer double cash back on purchases at home improvement stores. We would put THOUSANDS of dollars on our Discover even though we could pay cash. Then we'd sit back an enjoy having our expenses itemized each month and collect our 100 or 200 cash back bonuses. You can't fall into a trap though and not pay your balance each month and some places still don't take Discover because of their higher finance charges, but most places do anymore.
Nothing like the cash back. It's free money if you pay off your balance each month. We had to rebuild a house and there were weeks when Discover would offer double cash back on purchases at home improvement stores. We would put THOUSANDS of dollars on our Discover even though we could pay cash. Then we'd sit back an enjoy having our expenses itemized each month and collect our 100 or 200 cash back bonuses. You can't fall into a trap though and not pay your balance each month and some places still don't take Discover because of their higher finance charges, but most places do anymore.
quickbrick
New Member
- Joined
- Oct 13, 2001
- Messages
- 340
get a citi dividends card. i get 5% back on all gas station and grocery purchases.an extra 300 a year aint bad at all
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