topic Re: WHICH CARD???? in Credit Cards

WHICH CARD????

Anonymous — Sun, 01 May 2016 17:35:40 GMT

Hey guys fairly new to posting on here but I have been reading for a few years now. My question is I have to buy new tires which are going to cost about $800 I don't want to just pay cash and get nothing in return. I rather use a card and get some type of reward. I currently have a chase freedom, discover it, two cap one cards and a Bank of America card. So I don't qualify for the chase unlimited due to the 5/24 rule. So what is a good card to get or just use one I already have? My current scores are FICO 701 TU 745 EQ 735

Re: WHICH CARD????

creditfan — Sun, 01 May 2016 17:42:04 GMT

are you looking a straight cashback card?

if so, citi DC is the way to go

Re: WHICH CARD????

Anonymous — Sun, 01 May 2016 17:43:52 GMT

Well when I first signed up with chase I got a 150$ bonus

Re: WHICH CARD????

Loquat — Sun, 01 May 2016 17:51:36 GMT

Were you looking to add another card to your profile anyway? If not, just you one of your current cards. I wouldn't open a new account just for tires unless again, you were looking to add another card anyway. Choose from what you have that offers the best reward.

Re: WHICH CARD????

Blodreina — Sun, 01 May 2016 17:51:49 GMT

Blispay would give you 2% and 6 months to pay.

Re: WHICH CARD????

creditfan — Sun, 01 May 2016 17:53:57 GMT

@Anonymous wrote:
Well when I first signed up with chase I got a 150$ bonus

oh I see you are looking for a flash earning card (sinup bonus). Sorry for thought you were looking for a long term earning card

experts here will have the best options for you later, don't worry stay tune

Re: WHICH CARD????

Anonymous — Sun, 01 May 2016 18:01:17 GMT

Well been almost two years since I added a card so all my limits are fairly low due to the fact that at the time I had limited credit history now I have over two years of history with decent scores. So want to see if I get a higher CL

Re: WHICH CARD????

Themanwhocan — Sun, 01 May 2016 20:21:16 GMT

https://www.bankofamerica.com/credit-cards/products/aaa-credit-card/

Re: WHICH CARD????

jamesdwi — Mon, 02 May 2016 00:19:50 GMT

get the new chase freedom unlimited, card, use the card pay for tires, get 1.5% back, plus get $150 in cash back the tires purchase meets the $500 spend requirement to get the $150. slickdeals.net has the details/link to the $150 cash back offer.

Re: WHICH CARD????

Anonymous — Mon, 02 May 2016 02:08:58 GMT

Umm I can't I stated that am over the 5/24 rule that chase now has

Re: WHICH CARD????

Anonymous — Mon, 02 May 2016 04:57:44 GMT

@Anonymous wrote:
Umm I can't I stated that am over the 5/24 rule that chase now has

Just curious how that is since you just stated its been two years since you added a card??

Re: WHICH CARD????

Anonymous — Mon, 02 May 2016 05:35:29 GMT

You should use Chase Freedom if buying the tires at a wholesale club like BJ's. They are the best to buy Michelin tires from. They do the treadlife warranty in-house, 36k hazard warranty included, rotate balance for life.

Re: WHICH CARD????

Anonymous — Mon, 02 May 2016 12:08:05 GMT

End of This month I have 4 injuries being removed 2 by cap one, 1 by chase, and 1 by discover

Re: WHICH CARD????

MyLoFICO — Mon, 02 May 2016 13:08:40 GMT

@Anonymous wrote:
End of This month I have 4 injuries being removed 2 by cap one, 1 by chase, and 1 by discover

Wow, you really get into the credit game.

Re: WHICH CARD????

Anonymous — Mon, 02 May 2016 14:28:31 GMT

I am closing my two cap 1s at the end of this month. They have really low limits about 2000$ combined. So I just want to apply for a decent card now that my scores are higher.

Re: WHICH CARD????

maxq — Mon, 02 May 2016 14:51:26 GMT

I think if you are just trying to get some rewards back from purchasing tires then just use one of your cards that would give you 1% back. At least your getting something.

If you want to get a new account you could go with the CITIDC since that would net you 2%. Not sure if a new account and HP is something you want to do or just thinking about but that's an option.

Any reason why your closing 2 cap1 accounts? You know you probably could combine accounts(hard to say without knowing what you have) but that could help narrow cards down, increase your CL and maybe even get you 1.5% if you have a QS.

Re: WHICH CARD????

Anonymous — Sun, 08 May 2016 00:14:07 GMT

Re: WHICH CARD????

Anonymous — Sun, 08 May 2016 00:14:46 GMT

I have a quicksilver one and journey

Re: WHICH CARD????

Anonymous — Sun, 08 May 2016 00:20:33 GMT

This post is a mess. Are you actually applying or are you wanting to use your current lineup? Unless you're doing something with a new card and spend bonus then you're only getting 1-1.5% which isn't worth the trouble of a debate, especially if you're going to PIF.

If you're wanting a new card then that's a whole new discussion

Re: WHICH CARD????

Anonymous — Sun, 08 May 2016 15:25:39 GMT

@Anonymous wrote:
@Anonymous wrote:
Umm I can't I stated that am over the 5/24 rule that chase now has
Just curious how that is since you just stated its been two years since you added a card??

@Anonymous wrote:
End of This month I have 4 injuries being removed 2 by cap one, 1 by chase, and 1 by discover

The 5 in the 5/24 is for new accounts, not for inquiries. It seems like maybe you're thinking it's for inquiries.