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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: What's your emergency card?

all of them

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Frequent Contributor
Posts: 424
Registered: ‎09-18-2013
0

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.

Regular Contributor
Posts: 244
Registered: ‎09-04-2013
0

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
Regular Contributor
Posts: 399
Registered: ‎08-21-2013
0

Re: What's your emergency card?


B335is wrote:

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

 

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


Frequent Contributor
Posts: 333
Registered: ‎01-16-2013
0

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: 702, myFICO TU: 699, myFICO EX: 787
My Wallet: Chase Freedom, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13
Valued Contributor
Posts: 1,251
Registered: ‎07-07-2013
0

Re: What's your emergency card?

All of them, especially USAA, high CL and 7.5% APR with rewards. :smileywink:

Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

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
Frequent Contributor
Posts: 322
Registered: ‎09-18-2013
0

Re: What's your emergency card?

[ Edited ]

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)
Established Contributor
Posts: 618
Registered: ‎09-27-2013
0

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.
Frequent Contributor
Posts: 430
Registered: ‎08-08-2013
0

Re: What's your emergency card?

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

AMEX PRG NPSL, FIDELITY AMEX 30K, CITI DIAMOND PREFERRED 22K, AMEX DELTA SKYMIES GOLD 18K, CHASE SAPPHIRE PREFERRED 15K, CITI DOUBLE CASH 11.9K, BARCLAYCARD REWARDS MASTERCARD 6200, CHASE MARRIOTT PREMIER 5K, CAPITAL ONE QUICKSILVER 3K, AMAZON STORECARD 6K, VICTORIAS SECRET 1450, EXPRESS NEXT 650
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