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If you could only carry 1 card which would it be?

Blogger

Re: If you could only carry 1 card which would it be?

Bat-Credit Card?

 

Probably my AMEX BCE cuz it's so purty.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 31 of 73
Valued Contributor

Re: If you could only carry 1 card which would it be?

USAA World Mastercard.

Ray

** Every Card has a Job, and Every Card does its Job **
Message 32 of 73
Established Contributor

Re: If you could only carry 1 card which would it be?

LOL well I don't have much to choose from. The only rewards card I have is the Cap1 Cash Back, but I couldn't keep it because it only has a 500CL. I have no choice but Barclays (2000CL with 23% APR).

 

Ugh. I need a prime rewards card.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 33 of 73
Regular Contributor

Re: If you could only carry 1 card which would it be?

venture sig, only because so many small businesses complain about AMEX.

Message 34 of 73
Valued Contributor

Re: If you could only carry 1 card which would it be?

US Bank

FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 38.6k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 35 of 73
Established Contributor

Re: If you could only carry 1 card which would it be?

No question about it...Orchard Bank Platinum VISA

 

Smiley Very Happy

 

J/K...From this point forward, my 3 Rivers FCU Visa Platinum Credit Card. Not only is it the highest limit card I have at $3,000, but it has the lowest APR, no AF, and I support a credit union instead of a banking institution that judges me only by a FICO/ credit file.

 

Plus, they looked at the WHOLE consumer and took a chance on a loyal customer. Yes, it's a lender's preragative to do so, but it honks me off that I have them tell me "Everything looks great...if only that BK wasn't there, we'd approve you".

 

Yes, if only I hadn't been saddled with $15,000 in medical bills to keep my son breathing, I would have the "honor" of carrying you in my wallet. Sure, I didn't HAVE to file BK...I could have just waited while vultures closed in, attached my bank accounts, garnished my wages, and basically destroyed my ability to support a family of 5.

 

My credit union didn't even blink...in fact, THEY contacted me to finish the CC application and approved me nearly immediately after I applied. Customer for life they now have.

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Message 36 of 73
Established Contributor

Re: If you could only carry 1 card which would it be?

Some of the younger people here won't remember this man from the 70s.  Karl Malden endorsed Amex and i took his recommendation.  Still "won't leave home without it".

Message 37 of 73
Valued Contributor

Re: If you could only carry 1 card which would it be?


namvet wrote:

Some of the younger people here won't remember this man from the 70s.  Karl Malden endorsed Amex and i took his recommendation.  Still "won't leave home without it".



I remember him from the TV show "Streets of San Francisco", one of my favorites.  Shows how old I am. 

FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 38.6k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 38 of 73
Established Contributor

Re: If you could only carry 1 card which would it be?


Imhotrodcrazy wrote:

namvet wrote:

Some of the younger people here won't remember this man from the 70s.  Karl Malden endorsed Amex and i took his recommendation.  Still "won't leave home without it".



I remember him from the TV show "Streets of San Francisco", one of my favorites.  Shows how old I am. 


  Older than dirt!  LOL

Message 39 of 73
Valued Contributor

Re: If you could only carry 1 card which would it be?

Tough question. My go to card is my Amex Gold Rewards Plus. There are so few places that I go to that do not accept it, I would probably keep it as my "1" card.  But, that said, if I needed to go out of the country, either the MC or the Visa.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 40 of 73