No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:
I got the same initial message as well. It was an interesting wait period. My understanding from other members of the forum is that they look into your Costco spending history in addition to the standard CC checks. Let me know what they tell you. I'm curious. Now, I just waiting to see what the credit limit is going to be. Not going to use the card right away. Want to get other financial things in order first so I can really make this card work for me.
I just got a phone call telling me that I was approved. No e-mail though. I will find out my credit limit when I get my card.
Got AMEX card today. CL is $2k......have read from other members that they usually start around here. Will be interesting was hoping to get a little higher so we can get the points from our cruise purchase.... Oh well. Will be using my chase rewards card to get the points.. I am grateful that I am still "appealing" to credit card companies during these hard economic times, especially to AMEX.
Well I got my card in the mail yesterday and my credit limit was $2,000 as well. Like you said, this must be a standard starting point.
They also offered me a balance transfer offer of 1.99% until January 2010. I have about $1,300 that I'd like to transfer over but I'm afraid to do that with such a new card. I've heard AMEX frowns on balance transfers...even though they offer them.
Yeah, when the BT offer is good for 6 to 12 months only, the BT fee can push it over the edge prohibitively.
BoA offers a 3.99%, but wants a 4% BT as well. And the 3.99 is only 6 months....and then my rate is 13.99.
@Anonymous wrote:
Cool. We got the same offer as well. Hubby said not to do the transfer. It wouldn't be worth the 4% BT fee. congratulations on your new card.
Are you sure there is a 4% fee on your offer? I just doubled checked mine and this is what it said:
APR:
1.99%1
APR Duration:
Through billing period ending January, 2010 2
Fee:
There is no transaction fee associated with this offer
Offer Expiration:
August 20, 2009
Minimum Transfer Amount: 100.00Ah, then this is a nice little offer