Established Contributor
Posts: 554
Registered: ‎05-28-2013

Re: What's your emergency card?

enharu wrote:
Or how about "my parents' cards"? :smileyhappy:

I'm a little too old for that and one of my parents is gone.  The other one is using my card. lol

7/13/14 EQ 754 | AmEx Platinum NPSL | Discover it $11k | BofA Travel Rewards Visa Sig $7k | Citi Platinum Select AAdvantage WMC $10k | Barclaycard Arrival+ WMC $9.7k | Jared/Kay $5.1k | Chase Sapphire Preferred $5k | BofA Cash Rewards Visa Sig $5k | DFS $5k | PayPal SC $5k | Citi Diamond Preferred MC $4.7k | BofA Better Balance Rewards MC $7k | Chase Freedom Visa $4k | Zales $5k | US Bank Visa Platinum $3k | Bloomingdale's $3k | Macy's $1.2k | Amex Delta SkyMiles $1k | Chase Amazon $800
Valued Contributor
Posts: 3,098
Registered: ‎01-26-2012

Re: What's your emergency card?

Assuming I need to keep balance:

Sf fire visa: 7.25%
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012

Re: What's your emergency card?

My BofA Privileges card. The only emergency I can think of is Chase's computers are down so my charges won't go through. :smileyhappy:

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Frequent Contributor
Posts: 374
Registered: ‎06-01-2011

Re: What's your emergency card?

Thats what "emergency funds" are for. :smileywink:

Valued Contributor
Posts: 2,832
Registered: ‎09-22-2012

Re: What's your emergency card?

My gorgeous Duck card!  Decent limit, low APR, looks to kill :smileylol:


Backup is the cash stuffed between my mattresses at home.

Valued Contributor
Posts: 2,320
Registered: ‎06-05-2013

Re: What's your emergency card?

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.

Established Contributor
Posts: 961
Registered: ‎12-21-2010

Re: What's your emergency card?

NFCU 20K and PSECU 20Kvisa / 20kcredit Line
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012

Re: What's your emergency card?

Any of my NFCU cards. 

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Frequent Contributor
Posts: 386
Registered: ‎09-08-2010

Re: What's your emergency card?

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.

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13

Valued Contributor
Posts: 1,135
Registered: ‎04-13-2013

Re: What's your emergency card?

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.

Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+

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