topic Re: Which Card? in Credit Cards

Which Card?

ineedcreditbad — Tue, 01 Apr 2008 03:31:24 GMT

Guys,

Need some advise on where can I find a CC with these benefits. The card needs to have the following

Points that can be redeemed for anything

Points never expire

No limit on points

No Annual fee

Car Rental Insurance

Travel Insurance

Extended Warranty

Anything apart from an Amex or a card thats needs to be PIF.

Suggestions anyone?

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 03:33:55 GMT

I think there is a Capital One card or two that might fit this description.

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 03:37:26 GMT

ineedcreditbad wrote:

Points that can be redeemed for anything

Define "anything."

I agree with FM, except I'm not sure about the Extended Warranty part.

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 03:42:17 GMT

@ineedcreditbad wrote:
Guys,
Need some advise on where can I find a CC with these benefits. The card needs to have the following
Points that can be redeemed for anything
Points never expire
No limit on points
No Annual fee
Car Rental Insurance
Travel Insurance
Extended Warranty
Anything apart from an Amex or a card thats needs to be PIF.
Suggestions anyone?

amex gold rewards or amex blue

Re: Which Card?

ineedcreditbad — Tue, 01 Apr 2008 03:43:51 GMT

Cap1 hmmm but arent their limits like $500

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 03:44:37 GMT

ineedcreditbad wrote:

Cap1 hmmm but arent their limits like $500

Only on their rebuilder cards. Their prime cards are actally very good as far as rewards go.

What's your credit like?

Re: Which Card?

ineedcreditbad — Tue, 01 Apr 2008 03:54:10 GMT

As per Credit Secure my scores are

EX 708

EQ 727

TU 707

No baddies 3 CC very low utilization, a couple of student loans not in repayment and a car loan.

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 03:56:14 GMT

ineedcreditbad wrote:

As per Credit Secure my scores are

EX 708

EQ 727

TU 707

No baddies 3 CC very low utilization, a couple of student loans not in repayment and a car loan.

Well, those aren't FICOs, but if they're the best we have to go by, I'd say forget the Cap1 prime cards. You'll get a decent card with Cap1 in the low 700s, not one of the rebuilders most likely, but it won't be one of the ones they have for "Excellent Credit," which is the only kind of Cap1 card worth having IMO.

Re: Which Card?

ineedcreditbad — Tue, 01 Apr 2008 04:00:37 GMT

A limit of 700 only.

Re: Which Card?

ineedcreditbad — Tue, 01 Apr 2008 04:01:23 GMT

What about chase or citibank cards?

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 04:05:05 GMT

ineedcreditbad wrote:
A limit of 700 only.

Cheddar was referring to your scores, you'll get a good limit w/ scores in the low 700s.

Your CS scores aren't too far from mine: 708, 709 and 696 - my real ficos are 672. 674 and 653 -- perhaps that helps w/ translating.

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 04:10:04 GMT

ineedcreditbad wrote:

A limit of 700 only.

No, no, I menat with scores in the low 700s you can get a decent Cap1 card, but not the best they have, which are the only ones worth having.

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 04:14:10 GMT

cheddar wrote:

ineedcreditbad wrote:
A limit of 700 only.

No, no, I menat with scores in the low 700s you can get a decent Cap1 card, but not the best they have, which are the only ones worth having.

Ahem, Boss, I was on it!

-Peas (aka Cheddar's Asst)

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 04:19:25 GMT

WhirledPeasPlease wrote:

cheddar wrote:

ineedcreditbad wrote:

A limit of 700 only.

No, no, I menat with scores in the low 700s you can get a decent Cap1 card, but not the best they have, which are the only ones worth having.

Ahem, Boss, I was on it!

-Peas (aka Cheddar's Asst)

LOL!

Well, I saw that post before I saw yours, so I responded before I read the rest of the thread.

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 04:20:59 GMT

ineedcreditbad wrote:

What about chase or citibank cards?

Chase and Citibank might be doable if you don't have baddies, but they don't really fit your criteria above. Their rewards typically expire and they're not usually unlimited.

I think the only issuer that does the extended warranty thing is Amex, with the exception of Visa Signature cards and World MC cards, but I don't think you have the scores for those.

Still thinking....

Re: Which Card?

haulingthescoreup — Tue, 01 Apr 2008 11:25:51 GMT

Go read Bank of America's description of its WorldPoints program. These cards do report.

https://wwwa.managerewardsonline.com/RMSapp/Ctl/entry?pid=mwprwd

They probably aren't perfect, but they're pretty flexible, and BofA tends to be generous if you don't get on their bad side. HTH

Re: Which Card?

Anonymous — Tue, 01 Apr 2008 13:17:32 GMT

haulingthescoreup wrote:
Go read Bank of America's description of its WorldPoints program. These cards do report.

https://wwwa.managerewardsonline.com/RMSapp/Ctl/entry?pid=mwprwd

They probably aren't perfect, but they're pretty flexible, and BofA tends to be generous if you don't get on their bad side. HTH

Good suggestion, HTSU! I don't know why I never think of BofA.

Re: Which Card?

ineedcreditbad — Tue, 01 Apr 2008 15:37:22 GMT

Ahh understood. Thanks for all your help guys I really appreciate it.

Re: Which Card?

ineedcreditbad — Tue, 01 Apr 2008 15:45:21 GMT

I am not very comfortable with BOA I think they just dont like me. I mean how stupid is this they deneied me for a secured card in 2002 and the reason was because I have no credit. In 2006 they sent me a mail offer and I applied and denied again. So I hate BOA and will never do business with them.

Re: Which Card?

ineedcreditbad — Tue, 01 Apr 2008 17:38:15 GMT

Is there a way to check the status of your application online with Cap 1.