Good credit cards...
- Thread starter Cowgirl
- Start date
Cowgirl
Well-Known Member
Thanks. I was hoping to get some info from people who use a particular card.
Mdcopswife
Boss Lady
I have Bank of America and have a locked in rate of 8.9%.
_MightyMouse_
_USMCScoutSwimmer_
I have Navy Fed's Visa and it's 0.0%
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wkndbeacher
Guest
I have my two Visa debit cards with 0% and no monthly bills 
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Cowgirl
Well-Known Member
I have my two Visa debit cards with 0% and no monthly bills
I already have one of those.
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wkndbeacher
Guest
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nitwhit3286
Guest
HSBC Orchard Bank Platinum cardholder here....0% interest for 12 mo....
desertrat
0_0
That's what the wife does and then switches to another 0 when that one runs out. I don't like all the screwin' around so just stick to the low one with CPCU as a back up.
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Wenchy
Guest
Your wife is a smart one, but we already knew that.
Cowgirl? Unless you you have excellent credit I don't know what to tell you.
Chase, Bank America and USAA have been good companies for me (with no annual fees) and I will pay a max of 1.99% interest on a balance.
If you have the credit it's easy to swap balances around. I did it with a home addition (40K) and to pay off an auto loan (30K)
USAA is my favorite and pays me to use them. If you have any military ties you can qualify for their card.
I paid them $0 last year and I received a $300 credit on my card because I use it for EVERYTHING. If I carried a balance on the card it would be 7.9%.
Discover was another card I had. They also gave me a rebate, and I carried balances on the card (at 0%) for at least a year (balance transfers)
desertrat
0_0
Never been offered that!
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Wenchy
Guest
Call and ask for it. Tell them so and so offered you .99%.
BS knows how to work the system. Ask her about it.
Cowgirl
Well-Known Member
See, that's the thing. I have been credit card free for several years now. I just want to get one that I can charge a little on every month and pay it right off....something to help build my credit.
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Wenchy
Guest
If you are going to pay it off each month it really doesn't matter who you go with. Most companies offer no annual fee to anybody who is creditworthy. Interest rate is also null when you pay it off.
USAA is the best (IMO) if you have a military link.
If not, Discover is also very good.
DH got a Capitol One (he declared bankruptcy years ago) He had to pay the annual fee, but it did re-establish his credit. He still uses that credit card, but the annual fee is gone (after mucho years) and he pays it off each month.
His credit is now considered "excellent".
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Gemmi
Guest
I like my Chase card. I started out at 7.9% and that was years ago. It has gone up a little to 9.9% but that isn't bad.
That is the smartest thing to do.
But you are talking to idiots here.
People who think, if they have credit they can spend and buy whatever they want, not thinking about the outcome.