topic Best Visa in Credit Cards

Best Visa

Anonymous — Mon, 06 Aug 2012 19:53:50 GMT

First off I love this forum.

Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

My experian is 768 via my discover card.

I also have Kohls, Carecredit, Hdepot and a military star.

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

I have no baddies ever and oldest credit is 8 years.

oh and have a mortgage.

sorry, Im a newbie at forums. thanks for any suggestions.

Re: Best Visa

Creditaddict — Mon, 06 Aug 2012 19:57:28 GMT

@Anonymous wrote:
First off I love this forum.
Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

My experian is 768 via my discover card.
I also have Kohls, Carecredit, Hdepot and a military star.

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

I have no baddies ever and oldest credit is 8 years.
oh and have a mortgage.

sorry, Im a newbie at forums. thanks for any suggestions.

What cards and limits you have now?

What is high balance on amex?

Re: Best Visa

Cellice — Mon, 06 Aug 2012 20:08:44 GMT

@Anonymous wrote:
First off I love this forum.
Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

My experian is 768 via my discover card.
I also have Kohls, Carecredit, Hdepot and a military star.

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

I have no baddies ever and oldest credit is 8 years.
oh and have a mortgage.

sorry, Im a newbie at forums. thanks for any suggestions.

Get your utilization below 9% and then start applying. As for which card you should get, it depends on what you are looking for. Low interest? Cash rewards? Travel points?

Re: Best Visa

Anonymous — Mon, 06 Aug 2012 20:12:23 GMT

4k discover, 400 balance

5k Amex, 1800 balance

1500 Kohls, 0 balance

4500 hdepot, 0 balance

10k, starcard, 1500 balance on a no interest purchase have 13 more months to pif before an interest charge.

4250 carecredit, 0 balance saving for kids braces in future.

310k mortgage.

Re: Best Visa

Anonymous — Mon, 06 Aug 2012 20:17:23 GMT

See, idk what Im looking for, this forum has shown me that Im using credit wrong. I was always taught credit was for emergencies only, so I just have them sitting around until that happens, which now I know I should have used them to pay bills and then pif right away. My kohls charge helped build my credit and I was able to buy my first house.

I really love my discover card though, and the rewards, so maybe Im a rewards type person.

Re: Best Visa

jamesdwi — Mon, 06 Aug 2012 20:24:57 GMT

Chase Freedom $0 AF good rewards.

Chase Saphire prefered AF $95 if you spend enough it will pay for it self...

Re: Best Visa

Anonymous — Mon, 06 Aug 2012 20:29:07 GMT

+1 chase freedom

Re: Best Visa

jsucool76 — Mon, 06 Aug 2012 20:32:46 GMT

@jamesdwi wrote:
Chase Freedom $0 AF good rewards.
or
Chase Saphire prefered AF $95 if you spend enough it will pay for it self...

Psht, who cares about AF when you could have an epic looking card made out of metal!!!

Re: Best Visa

linux007969 — Mon, 06 Aug 2012 23:57:45 GMT

@Anonymous wrote:
First off I love this forum.
Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

My experian is 768 via my discover card.
I also have Kohls, Carecredit, Hdepot and a military star.

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

I have no baddies ever and oldest credit is 8 years.
oh and have a mortgage.

sorry, Im a newbie at forums. thanks for any suggestions.

You could look at the BankAmeriCard Cash Rewards Card. https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card.go?cid=2083809&po=B9

Re: Best Visa

Anonymous — Tue, 07 Aug 2012 00:00:53 GMT

Noticed the Military Star. Are you still in service or retired (as opposed to veteran)?

Re: Best Visa

Anonymous — Tue, 07 Aug 2012 00:28:55 GMT

Questions to ask yourself to get a good answer:

Do you travel a lot? Do you have a particular hotel chain or airline you want to earn points for? Would you rather have points that have flexible redemption options? Do you just want cashback? Do you spend a lot on groceries, gas, Amazon, restaurants?

Re: Best Visa

DaveSignal — Tue, 07 Aug 2012 00:59:52 GMT

@Anonymous wrote:
Noticed the Military Star. Are you still in service or retired (as opposed to veteran)?

I noticed the STAR card too. And if you are military and are often stationed in foreign countries, you should get a Visa that you can use there without any fees.

Re: Best Visa

Anonymous — Tue, 07 Aug 2012 01:53:04 GMT

Yes, both my spouse and I are currently serving.

Today in the mail we got a bofa visa offer and a citi visa. I don't really like my Hdepot card so I don't want citi.

Re: Best Visa

DaveSignal — Tue, 07 Aug 2012 02:07:56 GMT

Look at State Department Federal Credit Union too. Anyone can join and their visa is awesome, especially for someone being stationed overseas.

Re: Best Visa

Anonymous — Tue, 07 Aug 2012 02:11:33 GMT

awesome will do!

what about nfcu or usaa, apparently theyre great about credit.

i guess we bank with the worst military bank, they dont have anything.

Re: Best Visa

swpopham — Tue, 07 Aug 2012 02:13:53 GMT

Nfcu is about the only way to go!

Re: Best Visa

DaveSignal — Tue, 07 Aug 2012 02:22:01 GMT

USAA is my favorite bank, mostly because of the accessibility and all-encompasing website, which offers everything I need and makes transactions so easy. Yes they will give you a good card.

NFCU gives out high credit limits and I only joined with $5 so I could open a credit card. They have good 24/7 customer service, but I still prefer USAA for my regular banking accounts. NFCU will give you a good card too.

As far as foreign travel, BoA Travel Rewards and SDFCU are the best cards with $0 annual fee and 0% foreign transaction fee that also include an EMV chip (like on your CAC card) which can be used in foreign unmanned terminals. SDFCU allows PIN transactions as well and will give a superior APR if you ever come accross a point in time where you need to carry a balance.

PenFed Platinum Rewards is a great all-around card with travel benefits too, although without the benefits of the EMV chip. This is also a difficult card to get approved for as the CU is very picky about who they approve.

Re: Best Visa

Anonymous — Tue, 07 Aug 2012 02:21:16 GMT

how long after getting a membership until we can apply for credit?

Re: Best Visa

DaveSignal — Tue, 07 Aug 2012 02:24:04 GMT

You can apply immediately at any of the credit unions I mentioned.... I would assume they all allow you to apply immediately. If NFCU, you could call them right now.

Re: Best Visa

Anonymous — Tue, 07 Aug 2012 02:24:46 GMT

@Anonymous wrote:
Yes, both my spouse and I are currently serving.

Today in the mail we got a bofa visa offer and a citi visa. I don't really like my Hdepot card so I don't want citi.

both of you should join nfcu whether or not you want their credit card.. OnLy active and retires with pension are eligible to join so take advantage while you can. they are ridiculously generous with credit lines but their rewards are basically average. A poster said earlier said ask yourself what you are looking for. That is great advice. If you tell us what rewards or other features you are looking for, we will have some good recommendations.