topic Re: Planning app(s) for NON-reward cards in Credit Cards

Planning app(s) for NON-reward cards

zyzzus — Wed, 30 Jan 2013 19:40:32 GMT

I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current mix of cards I have (really want to upgrade my US Bank CC to cash+)

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

Barclaycard Ring

-APR is Prime +4.75

-No Balance transfer/annual fee

-Cash advance fee is $1

-FTF 1%

DCU Platinum Visa

-APR 8.5%-18.00%

-No Balance Transfer/annual fee

-No cash advance fee

-FTF 2%

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked. Not sure if I can get back in with them or not. Thoughts suggestions and comments are encouraged and welcomed.

Re: Planning app(s) for NON-reward cards

zyzzus — Wed, 30 Jan 2013 22:28:57 GMT

aparently no one cares about non-reward cards here! lol

Re: Planning app(s) for NON-reward cards

nickn86 — Wed, 30 Jan 2013 22:46:44 GMT

You could just open cards with 12-18 month 0% APR periods every year or so and/or balance transfer to the Chase Slate card (0% APR for BTs for some period, no BT fee) if you have a big balance.

I don't know too much about general low-APR cards. I'd imagine credit unions are good for those.

Re: Planning app(s) for NON-reward cards

bs6054 — Wed, 30 Jan 2013 23:36:16 GMT

zyzzus wrote:
I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current mix of cards I have (really want to upgrade my US Bank CC to cash+)

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

Barclaycard Ring

-APR is Prime +4.75
-No Balance transfer/annual fee
-Cash advance fee is $1
-FTF 1%

DCU Platinum Visa

-APR 8.5%-18.00%
-No Balance Transfer/annual fee
-No cash advance fee
-FTF 2%

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked. Not sure if I can get back in with them or not. Thoughts suggestions and comments are encouraged and welcomed.

So the trouble is with the APR range for DCU. 8.5% is a good APR, 18.00% not so much, lots of rewards cards around there. So you would need to know what range of APR you might get, and how long it might stay there.

Re: Planning app(s) for NON-reward cards

jsucool76 — Wed, 30 Jan 2013 23:43:59 GMT

+1 to bs6054

One thing that is appealing about the Ring. If you get approved you know what apr you're getting. 8.5-18 is a huge range, and 18 on a card with no rewards is terrible.

Re: Planning app(s) for NON-reward cards

trumpet-205 — Thu, 31 Jan 2013 00:45:16 GMT

You can also look into opening a Citi credit card. As long as you keep it in good standing there is constant 0% BT (sometime 0% purchase) offer.