Credit Card Center Advertiser Disclosure

Reply
Valued Contributor
Posts: 1,463
Registered: ‎04-28-2016
0 Kudos

Re: First Tech FCU Questions


Irish80 wrote:

The Diner's Club Masrercards that are no longer issued are PIN default as well.  Not many out there though not sure if it's really that big of a deal as most people will never have any issues signing their card when travelling.


Though I usually enjoy them, in this case I want to avoid AF dodging games and speculation over what may or may not return. I'll meet the $2k minimum spend for the bonus, but apart from that I'm just interested in basic functionality if and when my usual cards give me trouble.

 

I'm generally cynical of the "just put a small recurring charge on it" approach, but this is one case where I may do it.

Perks, purchase protection, and sketchy merchants: Schwab Platinum.....Price rewind and extended warranties: Costco.....Travel insurance: Prestige.....Renewal nights: IHG, Hyatt.....Rewards/Offers: Discover, Freedom, ED, BCE.....Taxes/Misc: SPG...Questioning the value of: CSP, Arrival

760ish FICOs...Rebucketing hurts!
Total CL: Enough
Established Contributor
Posts: 760
Registered: ‎11-15-2014
0 Kudos

Re: First Tech FCU Questions

[ Edited ]

Irish80 wrote:

The Diner's Club Masrercards that are no longer issued are PIN default as well.  Not many out there though not sure if it's really that big of a deal as most people will never have any issues signing their card when travelling.


I think they still have their uses, especially for those who don't want to have to pay with their phones to skip having to sign for stuff overseas.

 

In the US though? They can be a bit of a hassle (though that's improving more due to merchants deciding to disable PIN on their terminals than anything else.)

Moderator
Posts: 17,534
Registered: ‎12-30-2011
0 Kudos

Re: First Tech FCU Questions

[ Edited ]

Irish80 wrote:

The Diner's Club Masrercards that are no longer issued are PIN default as well.  Not many out there though not sure if it's really that big of a deal as most people will never have any issues signing their card when travelling.


For me, the cost of an additional tradeline not to have issues, and more importantly, to not be "that guy" holding up the line in places where a PIN is expected... heck an easy analogy would be people that pay with various bits of shrapnel (change) and having to count it out here in the States even.

 

Sure, you can, but it's likely going to annoy people behind you at the delay.

 

I'd rather avoid that, awkward enough being a stranger in a strange land, perhaps moreso for people these days.

 

I wish I'd picked up a Diners, but I wasn't smart enough to see the use case when I could.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,463
Registered: ‎04-28-2016
0 Kudos

Re: First Tech FCU Questions

I expect to apply in a few weeks when travel quiets down and I can more conveniently send any documents they may want.

I see they list a variety of ways to redeem the rewards on Choice, but don't mention point values. Is it 1 cpp for statement credits? Is there a way to get more value?
Perks, purchase protection, and sketchy merchants: Schwab Platinum.....Price rewind and extended warranties: Costco.....Travel insurance: Prestige.....Renewal nights: IHG, Hyatt.....Rewards/Offers: Discover, Freedom, ED, BCE.....Taxes/Misc: SPG...Questioning the value of: CSP, Arrival

760ish FICOs...Rebucketing hurts!
Total CL: Enough

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.