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Applying for an unsecured Credit Card

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09Lexie
Moderator Emerita

Re: Applying for an unsecured Credit Card

Some of the juicier reward cc's have AFs. You can look at Barclays Arrival -no AF
Message 61 of 72
09Lexie
Moderator Emerita

Re: Applying for an unsecured Credit Card

When I glanced at Chase's list, Bloomies, Nordstrom were listed. no warehouse stores ie Sams, Costco
Message 62 of 72
myjourney
Super Contributor

Re: Applying for an unsecured Credit Card


@09Lexie wrote:
When I glanced at Chase's list, Bloomies, Nordstrom were listed. no warehouse stores ie Sams, Costco

Thanks Lexie I was wondering who they were 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 63 of 72
kmh123
Valued Member

Re: Applying for an unsecured Credit Card

@myjourney

It is amazon.com and any other store that doesn't have membership. The usual suspects like Target, Walmart etc are excluded.

 

@09Lexie

It seems like a very good travel card. Looks like applying for the AF version(fee waived for the first year) and then PCing to the no-AF version is the best deal with that card. Very attractive. Thanks!

In the garden since Apr 2016








Message 64 of 72
kmh123
Valued Member

Re: Applying for an unsecured Credit Card

Applied for the Barclays Arrival. Instantly approved for $4000!! I got the Platinum MasterCard. Thanks for your help guys!

In the garden since Apr 2016








Message 65 of 72
azguy13
Senior Contributor

Re: Applying for an unsecured Credit Card


@kmh123 wrote:

Applied for the Barclays Arrival. Instantly approved for $4000!! I got the Platinum MasterCard. Thanks for your help guys!


Congrats! Thats a nice CL

Message 66 of 72
kmh123
Valued Member

Re: Applying for an unsecured Credit Card


@azguy13 wrote:

@kmh123 wrote:

Applied for the Barclays Arrival. Instantly approved for $4000!! I got the Platinum MasterCard. Thanks for your help guys!


Congrats! Thats a nice CL


Thank you! Smiley Happy

In the garden since Apr 2016








Message 67 of 72
myjourney
Super Contributor

Re: Applying for an unsecured Credit Card


@kmh123 wrote:

Applied for the Barclays Arrival. Instantly approved for $4000!! I got the Platinum MasterCard. Thanks for your help guys!


Congarts 

Head on over to the garden now to grow all your seedlings

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 68 of 72
kmh123
Valued Member

Re: Applying for an unsecured Credit Card


@myjourney wrote:

@kmh123 wrote:

Applied for the Barclays Arrival. Instantly approved for $4000!! I got the Platinum MasterCard. Thanks for your help guys!


Congarts 

Head on over to the garden now to grow all your seedlings


Absolutely. No more card until I graduate(which is a long time ahead BTW)!

 

Thanks for your help guys. :-)

In the garden since Apr 2016








Message 69 of 72
kmh123
Valued Member

Re: Applying for an unsecured Credit Card

This is bugging me for a while now. My Wells Fargo Credit Card(my first card) has left my wallet ages ago and has not made its way back. I have not charged a single penny on this card for more than 6 months now. Is it a better idea to close it completely? I want to know if closing an account affects my score more (negatively) or keeping an inactive card.

 

Also, I have checking and savings accounts with Wells Fargo of which I'm becoming a less of a fan by the day. Closing checking and savings accounts shouldn't affect the score right? I mean, they are not "credit" accounts.

 

I want your opinions on these two things.

In the garden since Apr 2016








Message 70 of 72
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