topic Re: no frills card in Credit Cards

no frills card

bbb3601 — Thu, 17 May 2012 00:39:18 GMT

I am on the hunt for a regular credit cad with no AF. I am not a reward or points person. My scores are listed below. Looking for a line around 3- 4k. Where should I look?

Re: no frills card

Anonymous — Thu, 17 May 2012 00:45:36 GMT

Barclays Ring card could work for you. It has a low APR just in case you ever had to carry a balance, along with no AF. Not sure if the scores you have will get you the credit line you want, others will chime in.

Re: no frills card

laboi_22 — Thu, 17 May 2012 00:46:55 GMT

Maybe Citi Simplicity or Chase Slate.

Re: no frills card

Anonymous — Thu, 17 May 2012 00:48:22 GMT

@bbb3601 wrote:
I am on the hunt for a regular credit cad with no AF. I am not a reward or points person. My scores are listed below. Looking for a line around 3- 4k. Where should I look?

Any of the Banks and CU's have plain jane cards. It is more a matter of preference for who you would like to do business with.

While your scores are not bad there are other things that are considered when applying for a credit card so YMMV on approvals.

Re: no frills card

Anonymous — Thu, 17 May 2012 01:01:54 GMT

I am with JM-AM on this. If you do your banking with a credit union, they almost always have the lowest APR, no AF, but also no perks. If you are not a member of a local credit union, then check some online ones. USAA, PenFed, NFCU all come to mind. I do all my business with a credit union that has one branch and only serves government employees that work in a single county. My visa with them is at 9.9% APR and has been there ever since I had the card.

Now if you do business with a commercial bank, talk to your local branch. Tell them what you want and see what offers they have. Your best bet (in general) is going to be the bank you keep your money in.

Re: no frills card

bbb3601 — Thu, 17 May 2012 01:05:44 GMT

will do!

Re: no frills card

Anonymous — Thu, 17 May 2012 01:15:11 GMT

Barclaycard Ring or Amex CLEAR. Not sure about the score though.

Re: no frills card

trumpet-205 — Thu, 17 May 2012 03:19:00 GMT

Talk to local credit union on getting a credit card. That is about as easy and no frill you can get. With your score, it will be difficult to get cards like Citi Simplicity or AMEX Clear in the first place.

Re: no frills card

pipeguy — Thu, 17 May 2012 03:30:04 GMT

IMO Capital One Platinum Prestige if you can qualify for it. Good APR, no AF, fairly high CL, 15 month intro 00.00% APR, etc

Re: no frills card

Anonymous — Thu, 17 May 2012 07:30:25 GMT

Not sure of point of this thread. Lots of rewards cards with no af. Why not get points/cash back if no cost? If op said hey I keep balances here and there so I want lowest apr and don't care about points, that makes more sense. With card competition these days, you can get almost everything these days. For example, the sign visa I have with my local cu has basically no fees (no af, no bt fee, no ft fee, no ca fee), 7.25% apr, and gives you 1 point which translates to 1% cash back in gift cards or travel discounts. As for the credit line part of op's question, that is more a function of their credit profile. Does op income support it and does he already have similar cl's? If so, he'll get that with almost any issuer. On the other hand, if not in line with current cl's, then he is going to have to look for generous lender which would either be a cu or major issuer who allows recon on approval as best chance to get cl if not given on approval

Re: no frills card

Anonymous — Thu, 17 May 2012 08:00:41 GMT

@Anonymous wrote:
Not sure of point of this thread. Lots of rewards cards with no af. Why not get points/cash back if no cost?

cause there are alot of people like me and the op who just want things plain jane. low apr with a good cl and im happy. plus it seems the cards that do have great cash back points either have high apr or an annual fee or just impossible to get lol

Re: no frills card

Anonymous — Thu, 17 May 2012 08:14:47 GMT

@Anonymous wrote:
@Anonymous wrote:
Not sure of point of this thread. Lots of rewards cards with no af. Why not get points/cash back if no cost?

cause there are alot of people like me and the op who just want things plain jane. low apr with a good cl and im happy. plus it seems the cards that do have great cash back points either have high apr or an annual fee or just impossible to get lol

Strange. I see a lot of cu cards with lowish apr, no af, and rewards.

Re: no frills card

Smug — Thu, 17 May 2012 10:44:41 GMT

RING ALL THE WAY!

Re: no frills card

boomhower — Thu, 17 May 2012 11:22:44 GMT

Another vote for either the Ring card or a CU card, I'd go with a CU card.

Re: no frills card

CreditCrusader — Thu, 17 May 2012 13:36:25 GMT

@boomhower wrote:
Another vote for either the Ring card or a CU card, I'd go with a CU card.

+1 on the local credit union suggestion. They will usually give you the best high-limit/low interest combo possible unless you are fortunate enough to be eligible for NFCU

Re: no frills card

learnin113 — Thu, 17 May 2012 14:17:18 GMT

No frills card - Easy, plenty around almost all lenders have one. The 3-4 K is the tricky part. This usually (with few exceptions) require a CS over 700. Good luck.

Re: no frills card

bbb3601 — Thu, 17 May 2012 14:38:48 GMT

thank you for your responses. I will go with ring if anyone cares. obviously eq score is my lowest. I have a apple card. called barclay's and they said after apple hits 6 months (next month) getting 3-4 won't be a problem. she said worst case i could transfer some of my apple line.

Re: no frills card

pipeguy — Fri, 18 May 2012 04:35:43 GMT

@Anonymous wrote:
@Anonymous wrote:
Not sure of point of this thread. Lots of rewards cards with no af. Why not get points/cash back if no cost?

cause there are alot of people like me and the op who just want things plain jane. low apr with a good cl and im happy. plus it seems the cards that do have great cash back points either have high apr or an annual fee or just impossible to get lol

+10 - count me as one who is not interested in rewards cards and their higher APR's, plain jane works for me.