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What's your emergency card?

Valued Contributor

Re: What's your emergency card?

all of them

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 31 of 52
Established Contributor

Re: What's your emergency card?

Any of my Chase UR cards, CSP, Pd, Freedom. Though if it was a "real" emergency, I doubt I would care what rewards I was getting.

Message 32 of 52
Regular Contributor

Re: What's your emergency card?

USAA, high CL, low APR.



Starting Score: 676 CK 5/13. Current: 717 EX 6/15 -- Last App: 6/2014
Message 33 of 52
Regular Contributor

Re: What's your emergency card?


B335is wrote:

My gorgeous Duck card!  Decent limit, low APR, looks to kill Smiley LOL

 

Backup is the cash stuffed between my mattresses at home.


*checks mattress*

Awwwwww mine is empty =/

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Message 34 of 52
Frequent Contributor

Re: What's your emergency card?

Most of my cards can handle most emergencies I can think of. If I am thinking about utilization/APR/carrying a balance, I'd probably go with the NFCU cashRewards ($25k CL/9.x APR IIRC), and it would get paid off ASAP with the emergency fund, sold investments, etc.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 35 of 52
Valued Contributor

Re: What's your emergency card?

All of them, especially USAA, high CL and 7.5% APR with rewards. Smiley Wink

Message 36 of 52
Frequent Contributor

Re: What's your emergency card?

Theoretically my PRG is my emergency card because it has no PSL, however my Delta card has my highest revolving limit and carries no balance so that technically is my emergency card.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 37 of 52
Frequent Contributor

Re: What's your emergency card?


somnipotent wrote:

Theoretically my PRG is my emergency card because it has no PSL, however my Delta card has my highest revolving limit and carries no balance so that technically is my emergency card.


Have you considered that not all merchants take AMEX? Also, even though it's NPSL, it can be declined for abnormally high charges. I'd stick with known limit cards that most merchants take for an emergency card.

 

As for me, my 5K NFCU goRewards MasterCard. I keep it in my glovebox for all types of emergencies, including losing my wallet and whatnot. I also have a 15K NFCU LOC, but I can't imagine what kind of emergency would require that much money that insurance doesn't cover. Maybe getting out of jail?

  (Hover over pics for details) 
FICO:  TU 731 (05/14/14)   EX 749 (04/24/14)   EQ 684 (02/05/14)   Goal 700
FAKO:  TU 761 (05/20/14)   EX 761 (05/20/14)   EQ 743 (05/20/14)
Message 38 of 52
Established Contributor

Re: What's your emergency card?

Lol maybe getting out of jail...

I've run into merchants that only take card from a certain network so that would play into my ultimate choice.

It seems like some CU are giving low APR with high CL from reading these post. Interesting as I've never looked to get a card at CU.
EQ 773 * EX 786 * TU 797
Message 39 of 52
Frequent Contributor

Re: What's your emergency card?

Citi Diamond Preferred. Highest limit with 0% for 16 more months.



AMEX PRG NPSL, FIDELITY REWARDS 50K, CHASE SAPPHIRE RESERVE 27K, AMEX DELTA SKYMIES GOLD 25K, CITI DIAMOND PREFERRED 22K, CHASE FREEDOM 20K, CITI DOUBLE CASH 15.5K, BARCLAYCARD REWARDS MASTERCARD 15K, CHASE MARRIOTT PREMIER 5K, CAPITAL ONE SONY CARD 5.75K, CAPITAL ONE QUICKSILVER 3.5K, AMAZON STORECARD 6K, VICTORIAS SECRET 2650, EXPRESS NEXT 1850,Gardening2/17/17.
Message 40 of 52