Topic says it all. Is there much point in the buckles card like special financing, sales, etc. I saw something about their black premier card, which looks like it could be good, and if I like the buckles merch enough I would def hit the $500 mark for it. Does the status last forever or per year?
Thank you for your feedback everyone. I would like to make a couple of notes (and thank yous)
Snacktrader: I mean this sincerely, thank you for being concerened about me I am looking to eventually get a mortage but this would be 3-4 years from now which is probably what has been pushing me to get these apps done all at once instead of later. I would much rather take the FICO score dump now and have my record look spic and span later. I know that there is a high possibility that I can completely destroy myself if I am not responsible with this but I have no intention of that... I am too determined and stubborn to let that happen
On the piont about not getting a better score with utilization: I didn't know that actually. Almost every post I've read so far has indicated that having 1%-9% would get you the most out of your credit score. I have also been leaving a little on the card (about $10) so that I do actually pay interest. I know it isn't much but I am very grateful that my CU helped me out when nobody else would. I know it doesn't mean squat to them but that's just how I feel.
In regards to the buckles card, I was primarily asking because I am contemplating becoming a frequent on their site. IF, and this is a HUGE if, I do apply, I would think that 500 in a year is not very much, and the free shipping and handling you get from BLACK status saves a bunch of money if it's a permanent status. I am very much on the "do not apply" side of the fence right now. I was primarily looking just to see if there really was any benefit.
I really do appreciate everyone's help that I've gotten on this forum though! I am planning on going into the garden, for an undertermined amount of time! So if you see me asking about cards and benefits, etc., I am just curious I have a very strong will when it comes to apping, hence why I haven't even tried to get one for the last 7 years!
I think I understand what you are saying. Let me run this really quick.
Due date: 5th of the month
Report date: 10th of the month
So pay the 4th (or whenever needed to have it post before the 5th)
Use afterwards but keep around 1-9% util until after the 10th?
If you shop there a lot www.cardpool.com get gift cards at a nice discount, and spend your HP's on something that'll let you travel the world for free imo. I've gotten over 300k in sign up bonuses in the last 6months, I only need 65k to travel 11,000 miles round trip.