Credit Cards

[zyzzus]

I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current  mix of cards I have (really want to upgrade my US Bank CC to cash+)

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

Barclaycard Ring

-APR is Prime +4.75

-No Balance transfer/annual fee

-Cash advance fee is $1

-FTF 1%

DCU Platinum Visa

-APR 8.5%-18.00%

-No Balance Transfer/annual fee

-No cash advance fee

-FTF 2%

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked.  Not sure if I can get back in with them or not.  Thoughts suggestions and comments are encouraged and welcomed.

[zyzzus]

aparently no one cares about non-reward cards here! lol

[nickn86]

You could just open cards with 12-18 month 0% APR periods every year or so and/or balance transfer to the Chase Slate card (0% APR for BTs for some period, no BT fee) if you have a big balance.

I don't know too much about general low-APR cards.  I'd imagine credit unions are good for those.

[bs6054]

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zyzzus wrote:

I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current  mix of cards I have (really want to upgrade my US Bank CC to cash+)

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

Barclaycard Ring

-APR is Prime +4.75

-No Balance transfer/annual fee

-Cash advance fee is $1

-FTF 1%

DCU Platinum Visa

-APR 8.5%-18.00%

-No Balance Transfer/annual fee

-No cash advance fee

-FTF 2%

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked.  Not sure if I can get back in with them or not.  Thoughts suggestions and comments are encouraged and welcomed.

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So the trouble is with the APR range for DCU.  8.5% is a good APR, 18.00% not so much, lots of rewards cards around there.  So you would need to know what range of APR you might get, and how long it might stay there.

[jsucool76]

+1 to bs6054

One thing that is appealing about the Ring. If you get approved you know what apr you're getting. 8.5-18 is a huge range, and 18 on a card with no rewards is terrible.

[trumpet-205]

You can also look into opening a Citi credit card. As long as you keep it in good standing there is constant 0% BT (sometime 0% purchase) offer.