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@enharu wrote:
Or how about "my parents' cards"?
I'm a little too old for that and one of my parents is gone. The other one is using my card. lol
My BofA Privileges card. The only emergency I can think of is Chase's computers are down so my charges won't go through.
Thats what "emergency funds" are for.
My gorgeous Duck card! Decent limit, low APR, looks to kill
Backup is the cash stuffed between my mattresses at home.
I'd use whatever card could carry the balance. Based on APR I'd probably go with the PenFed Platinum Cash Rewards card since it has a 9.99% APR.
Any of my NFCU cards.
Depends on how big of an emergency.
I only carry 3 cards with me... so if its an immediate emergency, I'd use my BCe. (Yeah I know, immediate emergency sounds silly). but it its an 'emergency" such as my fridge dying, or my car having major issues... those would go on the HHonors card (citi). I don't use it, and its got a nice limit. Most importantly, I would hope my emergency fund would cover it so that the interest wouldn't be an issue.
@09Lexie wrote:
DCU 9.5% APR, no BT or cash advance fees.
Hmm. I really need to look into a DCU cc then. Right now, my emergency card would be whatever card I have 0% on - BCP, DiscoIT, Freedom. But if I didn't have a 0% card, then it would be my Slate which has the lowest apr at 11.99%. I was planning on closing the Slate once I pay off my BT but this gives me something to think about as a reason to keep. Unless I get a card from DCU of course.