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What is the best No Annual Fee card?

Valued Contributor

Re: What is the best No Annual Fee card?


nenuco wrote:

Congrats on the multiple approvals!! You can call the Chase automated line and it will tell you your CL Smiley Happy


I called in. $5,000 credit line @ 22.99 apr. Ouch that would be brutal to carry a balance on. I got a phone number for lending operations to ask for a recon on limit and APR. This is the number 1-888-871-4715

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor

Re: What is the best No Annual Fee card?

[Duplicate Message]

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor

Re: What is the best No Annual Fee card?

@ Dustink: That's an awesome credit line! Carrying a balance on this card would negate the benefits of having a card like this, so APR should be irrelevant. What happened with the Citi card? Your app spree seemed to have gone well so congrats!

 

@ Maiden_girl: Sounds like a good idea, I think you will like that card. More importantly Chase has great CS, which makes all the difference.

Full on Garden Mode (•‿•)
Valued Contributor

Re: What is the best No Annual Fee card?

I'm going to call citi. I think it is a stretch on that one.

 

BTW: I have never paid a bank/cc fee or interest in my life.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor

Re: What is the best No Annual Fee card?

I am thinking about getting a capital one prime card, but I don't think the HP is worth it even if approved...

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor

Re: What is the best No Annual Fee card?

@ Dustink: That would be interesting, if you got approved it would entice me to apply. Let me know... I'm very interested Smiley Tongue

Full on Garden Mode (•‿•)
Valued Contributor

Re: What is the best No Annual Fee card?


nenuco wrote:

@ Dustink: That would be interesting, if you got approved it would entice me to apply. Let me know... I'm very interested Smiley Tongue


I got declined, and the office is currently closed. I will call for recon. I would have denied me too. They were my last app, so they see a bunch of HP's. I am not sure how I am going to explain all the HP's Smiley Happy

 

I think I will plead something along the lines of. I have all my accounts with XXX bank, but I want to start my relationship with your bank. I have heard great things about your bank, and I have always been interested in giving my business to you. I look forward to being your customer and I think it would be in both of our best interests if you reconsidered that application. Then I will go on to explain how perfect my credit history is.

 

I don't want the basic thank you card, I only want the prefered card. So it is going to be an interesting phone call to say the least. I will updated you on all the cards after my calls.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor

Re: What is the best No Annual Fee card?

Did you get declined for Cap 1 or Citi?
Full on Garden Mode (•‿•)
Valued Contributor

Re: What is the best No Annual Fee card?


nenuco wrote:
Did you get declined for Cap 1 or Citi?

Citi. I didn't even apply for crap1. I am pretty sure they would approve a monkey.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor

Re: What is the best No Annual Fee card?

Are you interested in applying for capital one? If so I don't mind either, but their customer service drives me nuts. Even them paying me $100 to sign up doesn't make me want to deal with it. I think I will pass on them unless you think otherwise.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%