topic Re: What credit card should i use ?? in Credit Cards

What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 18:47:42 GMT

Well I sprung for the DW and got for a 2013 Cadillac Escalade and I am picking it up thursday. Which card should i use, amex blue, amex gold, amex gold delta or discover it. The down payment is 6k. What has the best rewards

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 18:49:38 GMT

Uh, no one can give you a right answer. Which card / rewards do you have most use for? Use that.

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 18:52:41 GMT

@Anonymous wrote:
Uh, no one can give you a right answer. Which card / rewards do you have most use for? Use that.

I m asking because i normally and dont know what the rewards are for that other then the miles for the delta

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 18:59:26 GMT

Discover and Amex blue are cashback cards. You get 1% back, which is equivalent to 1ccp.

If you fly delta quite a bit, use the delta card. You should be able to get more than 1ccp pretty easily. So if you fly quite a bit or just don't mind accumulating points for a free flight, use this card. It can take a while to accumulate enough points for a flight depending on how much you spend and where you are flying to and from. If you fly delta a lot this is the card to use.

Amex gold gives you MR points. The ccp value varies depending on what you do with it. Worst case scenario you get 1ccp, which is also equivalent to 1% cashback. Good thing about MR points is that you can transfer to several airlines / hotels, though there might be a penalty or fee involved for some. In a way you have greater flexibility with MR points.

Re: What credit card should i use ??

09Lexie — Mon, 08 Jul 2013 19:00:11 GMT

Do you have the Gold or the PRG?

Re: What credit card should i use ??

GatorGuy — Mon, 08 Jul 2013 19:16:03 GMT

Marty

Enharu gave you some great starting advice but ultimately only you can answer this question. And you can only answer this question by you, yourself spending the time to look at the rewards with your credit card and what you can do with them. From there you can decide what you would actually use and what you wouldn't.

Don't get caught up with only maximizing rewards with only big purchases but also day to day spending because that adds up very quickly. Congrats on the new car!

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 19:33:10 GMT

@09Lexie wrote:
Do you have the Gold or the PRG?

yes i have the gold from 2004

Re: What credit card should i use ??

09Lexie — Mon, 08 Jul 2013 19:43:44 GMT

You might consider PC'ing the Gold. The rewards are terrible. However, depending on if you have to meet certain spend req for your new cc's- I'd start there

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 19:45:41 GMT

@09Lexie wrote:
You might consider PC'ing the Gold. The rewards are terrible. However, depending on if you have to meet certain spend req for your new cc's- I'd start there

I acuatlly want to get the platinum card converted from the gold is that possible and if so will i still be a member from 2004

Re: What credit card should i use ??

09Lexie — Mon, 08 Jul 2013 19:49:38 GMT

Yes, you will be backdated. Call and ask them to PC you to plat- that might come in handy with your trip to Italy

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 20:05:17 GMT

I just got off the phone with them and they said wow you have a great relationship with us and we thank you and i asked if i can switch the gold to platinum and she said no prroblem i have to pull your credit put me on hold and BAM Approved. I must have like 15 inquires now lol

@09Lexie wrote:
Yes, you will be backdated. Call and ask them to PC you to plat- that might come in handy with your trip to Italy

Re: What credit card should i use ??

09Lexie — Mon, 08 Jul 2013 20:06:24 GMT

Pulled your credit to PC?

Re: What credit card should i use ??

GatorGuy — Mon, 08 Jul 2013 20:09:40 GMT

@Anonymous wrote:
I just got off the phone with them and they said wow you have a great relationship with us and we thank you and i asked if i can switch the gold to platinum and she said no prroblem i have to pull your credit put me on hold and BAM Approved. I must have like 15 inquires now lol
@09Lexie wrote:
Yes, you will be backdated. Call and ask them to PC you to plat- that might come in handy with your trip to Italy

I have never heard of a HP to PC an AMEX card.

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 20:10:25 GMT

She said i will have to see a recent credit report and now I have a 500 annua fee LOL

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 20:11:43 GMT

but i didnt get an alert that it was pulled maybe it was a miscommuncation of words

@Anonymous wrote:
She said i will have to see a recent credit report and now I have a 500 annua fee LOL

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 20:13:37 GMT

Wait, why do they even need to see your credit for a product change. Only Bank of America does that if I'm not wrong

Re: What credit card should i use ??

09Lexie — Mon, 08 Jul 2013 20:14:40 GMT

I have not seen a HP for a PC either.

Re: What credit card should i use ??

Ron1 — Mon, 08 Jul 2013 20:15:23 GMT

@Anonymous wrote:
but i didnt get an alert that it was pulled maybe it was a miscommuncation of words
@Anonymous wrote:
She said i will have to see a recent credit report and now I have a 500 annua fee LOL

Congrats!!!! It's only SP to upgrade into Platinum. Keep the same card number.

Ron.

Re: What credit card should i use ??

GatorGuy — Mon, 08 Jul 2013 20:15:42 GMT

@Anonymous wrote:
Wait, why do they even need to see your credit for a product change. Only Bank of America does that if I'm not wrong

Why would BOA need to? Unless you are asking for a CLI at the same time.

Re: What credit card should i use ??

Anonymous — Mon, 08 Jul 2013 20:16:07 GMT

like i said im not sure i dont see any pulls and my account summary is updated to platinum status... I thoought she said that but i guess im wrong. Im not memorized with the banks like yous