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Help Me Find a Card

New Contributor

Help Me Find a Card

Hey all,
  Looking for a card:
  • 0% on BT, no Fee, for at least 12 months
  • Ideally would have a fixed APR on purchases and BT afterwards
  • No Annual Fees
  • Not worried about any sort of rewards
 
My info:
  • Transunion PFICO:718 - has been the same for the past 3 months (no baddies since 2001)
  • Card #1 - HSBC - $1800/ $6000
  • Card #2 - WAMU - $450/ $1800
  • Card #3 - Chase - $0/ $2000
 
Looking to apply soon to make my billing cycle.  Any suggestions on a card that I would likely be approved for that would meet those criteria?  I am looking at either a Discover More or Citi Card.
 
Thanks!
Message 1 of 8
7 REPLIES
Epic Contributor

Re: Help Me Find a Card

I say go for the Discover
Message 2 of 8
Frequent Contributor

Re: Help Me Find a Card

Yup. Discover Card.
Message 3 of 8
Regular Contributor

Re: Help Me Find a Card

Discover is not a bad choice, I like there terms and rewards
 
But the only thing that is really annoying about them is when you used a Discover
 
to fill your tank at a shell they will hold $100.00 for one week. I dont know about other states
 
but thats how it is here in the mid west.
 
 
Heres are some pretty good offers from Discover if
 
You decide to go with them.
 
 
Message 4 of 8
Valued Contributor

Re: Help Me Find a Card



Marvintran wrote:
 
But the only thing that is really annoying about them is when you used a Discover
 
to fill your tank at a shell they will hold $100.00 for one week. I dont know about other states
 


Just Discover?
 
What's wrong with that?  Does any bad result from them holding $100, unless you're maxing out your card?

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


Take the FICO Fitness Challenge
Message 5 of 8
Established Contributor

Re: Help Me Find a Card

They generally authorize for $100 on all CC's, not just discover.  This happens on my AMEX as well (the only card I use for gas).
FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Message 6 of 8
Epic Contributor

Re: Help Me Find a Card

and when you eat out, most places authorize 20% above the bill.  Holds are nothing new and should not effect you unless like the other poster stated your sitting on your cl.
Message 7 of 8
Highlighted
New Contributor

Re: Help Me Find a Card

The hold wont matter, as I only intend on using this card as a BT.  I am paying 14% interest on the HSBC card that has the balance, and want to get it to 0% for a year so that I can pay it off.
Message 8 of 8