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Everything except CSP and Merrill+ because I think the Bull design is awesome
and CSP is METALLLLLLLLLL
Macy's
Best Buy
Kay's
Orchard
Gordman's
Most will probably end up shredded
I have a Merrick card(former Hooters), Capital One, and Chase Freedom in the sock drawer. The first two have no rewards but the Capitol One is used from time to time with 0% balance transfer offers. The Freedom card is a rate jacked 29.9% former WAMU card. I also use it for 0% balance transfer offers. If their is a 5% category not on Discover I'll use it but that's pretty rare.d
My Capital One is right under my dress socks. Only needed it to get a jump on a positive CC TL until I got a few cards I really wanted in sig. I will call before Oct to try to get AF waived I suppose.
“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin
Gardening since 3-26-15
Currently, I'm SD'ing:
Chase Freedom
Discover IT
BoA Siggy
Amex PRG
The only cards that are getting some play are:
Gap Visa (3x on all purchases until 4/30, then SD also)
Citi Forward (regular 5x categories + gas & travel)
BCP (groceries)
and Target when I go there
Orchard Bank. Why? $300 credit limit that won't grow.
Emailed the E/O and they want to HP for a CLI.
Since I'm in the garden, thats a NO GO. At least they waived my annual fee is waived for this year.
Discover because the bonus category isn't for me this quarter.
AMEX is almost there. As soon as I hit my spending level for the year, off to the SD for them, too.
Generic Chase Visa , Best Buy Mastercard, AMEX Zync, Amex Green all being SD'd right now. Well the Amex green is used on auto pay bills, but i keep it in my safe.
@sassymomof2 wrote:Orchard Bank. Why? $300 credit limit that won't grow.
Emailed the E/O and they want to HP for a CLI.
Since I'm in the garden, thats a NO GO. At least they waived my annual fee is waived for this year.
Discover because the bonus category isn't for me this quarter.
AMEX is almost there. As soon as I hit my spending level for the year, off to the SD for them, too.
Yeah, I spoke again with Household/Orchard/HSBC again today about that. I was told by HSBC that ALL Capone accounts now must have a hard pull. It was right after I spoke with Capone and had two reps who told me it was a soft pull. The rep wanted to know who I spoke to as she was going to call over there and get them straightened out since I was misinformed and I was going to get a hard pull even though they told me the wrong info. I, of course, called back to Capone and was told by another person and the rep who is handling my case that it was truly a soft pull and they might have different policies at the HSBC cards until the conversion takes place. (Can we pray that it happens a little sooner, so at least in the nightmare it all simply just the same nightmare, not different ones.) I don't know if this is to keep HSBC cardholders from getting too much which might cause more issues later with Capone dual cardholders or to keep them in the undercurrent for as long as they can. I think it stinks that there are two seperate policies for the same company.
I too refused the hard pull twice now since I am also in the garden. I am glad mine has no AF to worry about, or I would probably close the card as I did one Capone card last year before I found an option around their policy of not allowing customer initiated credit limit increases and their periodic random CLI's. You realize that periodic and random could mean that most of their cardholders still don't get any luvin!?! (We already know it does!) Us Capone cardholders are certainly aware of the rhetoric and what their nonsense responses really mean. You would think that with all the legal issues they have had in the past few years they would be a bit quicker about getting on the right track. (It still suprises me that they were allowed to buy out the HSBC credit portfolio.)