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Thanks E150GT, thats cool. Hope you get another great CLI soon.
Thanks guys a ton for the responses.
It's massively appreciated, fantastic forum so far!
Hey UberAlec, technically how long was your credit history (student loan) b efore you applied for the card? Any late payments or derogs as well?
if it were me, I would just keep paying in full. Interest rate doesn't matter if you never carry a balance, right? Since you don't like to spend what you don't have, you have the right attitude for a good rewards card. Use the card as if it were your debit card, and pay it off IN FULL every month. You get rewards, and don't pay interest.
Sorry for the late reply,
I am still in school and I took out my first student loan roughly a year ago. Other than student loans and being in a credit union I have absolutely zero credit history, no late payments or anything. Everything else all in cash.
Also rewards you get for instance 5% on gas at certain times in the year give you just a one time reward credit correct? Keeping a revolving balance on a purchase of gas does not add more to the reward?
Thanks
not only does revolving a balance not add to the rewards, it takes away in the form of inetrest. Well once you are out of the 0% time frame. Remember to pay a couple of days early of the due date. I was going to make a payment on my due date, but it slipped my mind and I lost my intro rate and paid a $35 fee!
So even if I make the minimum balance, and I certainly always plan on paying in full, the interest still applies to the left over revolving amounth correct?
Thanks again